Can I pay off my loan early?

Yes, and there are no prepayment penalties on any of the loans offered by NIHFCU. However, if you pay off your equity loan/line within 3 years from the origination date, you will need to repay the closing costs paid by NIHFCU on your behalf at origination.

^{Rates, fees, and terms as of 01/20/2026 and subject to change without notice.}