decorative colored dots


Our special VitaLoan program – with great low rates and payments – can help you quickly access up to $3,000 to meet your immediate needs and obligations.

Normally reserved for healthcare workers to meet their work-related expenses, the VitaLoan is now available through September 2020 for all members to support their needs during the COVID19 pandemic.

  • Rates starting as low as 3.49% APR 4

  • Loan amounts from $500 – $3,000

  • Repayment terms up to 36 months

  • No payments due for the first 90 days 5


Speak to a Specialist
decorative colored dots

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)

  • Terms up to 12 years

  • No fees or prepayment penalties

Speak to a Specialist
decorative colored dots

When you need HELP, we have your back.

Designed for emergency situations, the NIHFCU’s HELP (Honest Emergency Loan Program) allows you to borrow when you need it most. The HELP loan offers:

  • A great rate of 18.00% APR2

  • Up to $1,000 in emergency funds available

  • A maximum loan term of 6 months

Due to its unique nature, the HELP loan has some special requirements:

  • Member must provide two recent pay stubs to qualify

  • Member must have had at least one loan with the NIHFCU

  • Previous loans did not cause a loss to the credit union

  • Each member is allowed only one HELP loan at any one time

Speak to a Specialist
NIHFCU member paying bills with NIHFCU Online Banking
decorative colored dots

Holiday Loan3

Our Holiday Loan may be just what you need to make the holiday season extra special. Whether you need extra cash for your holiday shopping list, travel, entertainment or more, the NIHFCU is here to help with loan amounts up to $2,500. Holiday Loans are available starting October 15.

Financial wellness begins and ends with the facts. Here’s what you need to know!
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.