Check today's personal and niche loan rates
Rates effective as of November 10, 2025. Interest rates may change. Please see your account disclosure for additional details.
Personal Loan Rates
| Signature Loans | 0-36 months APR** as low as |
37-48 months APR** as low as |
49-60 months APR** as low as |
|||
|---|---|---|---|---|---|---|
| Standard APR1 | 7.99% | 8.99% | 11.24% |
| Other Consumer Loans | APR** as low as |
|---|---|
| Home Improvement1 | 7.49% |
| Personal Line of Credit1 | 10.74% |
| Certificate Secured | Prevailing Certificate rate + 3% |
| Share Secured2 | Prevailing Share rate + 3% Terms up to 10 years with no fees or prepayment penalties |
| HELP Loan | 18.00% Terms up to 6 months |
| VitaLoan1 | 6.74% |
Rates, fees and terms as of November 10, 2025 and subject to change without notice
** APR = Annual Percentage Rate. For highly qualified applicants. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. Restrictions may apply. Signature Loan Payment example: 36 monthly payments at 7.99% = $31.30 per $1,000 borrowed. Home Improvement Loan Payment example: 36 monthly payments at 7.49% = $31.10 per $1,000 borrowed.
1 Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.
2 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.
