What is the maximum combined loan-to-value ratio (CLTV)?

NIHFCU offers home equity loans and lines of credit up to 100% CLTV. Additionally, we offer fixed-rate home improvement loans up to 133% CLTV. (Max CLTV for condominiums is 75%.)

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