Our special VitaLoan program – with great low rates and payments – can help you quickly access up to $7,000 to meet your immediate needs and obligations.
Reserved for healthcare workers to meet their work-related expenses.
Tap into your NIHFCU savings to give yourself a loan
Our Share Secured Loan lets you keep your NIHFCU savings intact while extending yourself the credit you need to borrow. Simply “pledge” a portion of your savings (or certificate) to help you meet virtually any personal or household need. As you pay down your loan, the equaling shares you pledged are freed up and available to you. Our Share Secured loans offer many advantages, including:
The ability to help build or repair your credit history
Low variable rates1: (prevailing share or certificate rate + 3.00%2)
The typical holiday season includes family, friends, fun and possibly debt. The average consumer relies on a combination of high-rate store cards to complete their holiday shopping and many are left with too much debt.
Our Holiday Loan may be just what you need to help. Whether you need extra cash for your holiday shopping list, travel, entertainment or more, the NIHFCU is here to help. Our holiday loans offer many advantages, including:
Loan amounts from $500 to $3,000
Rates as low as 5.99%APR*
Loan terms from 6 – 36 months
Holiday loans available November 1 through December 31.
Financial wellness begins and ends with the facts. Here’s what you need to know!
*Rates start as low as 5.99% APR (annual percentage rate) which includes a 0.50% discount for automatic debit of loan payment from a TotalCare Checking account. An approved applicant’s actual interest rate depends on credit history. All advertised rates and terms subject to change without notice. Restrictions may apply. Membership and eligibility required.
1 The rate on this loan is variable, based on the dividend rate NIHFCU pays on the account pledged as security for the loan. Certificate-secured loan payoff must not exceed the maturity date of the pledged certificate.
2 APR = Annual Percentage rate as of 7/18/18. Final rates and terms for approved applicants depend on credit and payment history and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.
3 All loans are subject to credit approval and terms may vary. Final rates and terms for approved applications depend on credit worthiness and payment history, payment method and other factors that may be lawfully considered. Restrictions may apply. NIHFCU membership required.
4 Annual Percentage Rate (APR) as of 4/6/2020 and subject to change without notice. The lowest APR shown is available to applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Final rates and terms for approved applications depend on type of collateral, credit and payment history, payment method and other factors that may be lawfully considered. Restrictions may apply. Payment example: Loan amount of $1000.00 at a rate of 3.490% APR for 24 months would have monthly payments of $43.20.
5 A 90-day deferral of the first payment is an option available on the VitaLoan. Deferring a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply.
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If you do not wish to proceed, click "Cancel" below to stay on the NIH Federal Credit Union web site.
The HomeAdvantage program is offered by a third party that is not affiliated with NIHFCU.
NIHFCU is not responsible for any services provided in connection with the HomeAdvantage program.
In an effort to help share a little hope, The NIH Federal Credit Union has created SendaMessageofHope.com where anyone can share an inspiring photo or video message with our amazing Doctors, Nurses,
and Healthcare workers. So please take a moment to say thanks to our brave health professionals who are fighting on the frontline of this crisis everyday.
Notice
Please be advised that third party cash transactions (via services such as Venmo, Cash App, etc.) may not be disputed through NIHFCU. You must contact the service directly.
