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Check today's personal and niche loan rates

Rates effective as of May 28, 2024. 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 7.49% 8.74% 10.99%
Other Consumer Loans APR** as low as
Home Improvement1 6.99%
Personal Line of Credit1 10.24%
Certificate Secured Prevailing Certificate rate + 3%
Share Secured2 Prevailing Share rate + 3%
Terms up to 12 years with no fees or prepayment penalties
HELP Loan 18.00%
Terms up to 6 months
VitaLoan1 6.24%

Rates, fees and terms as of May 28, 2024 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 7.49% = $30.99 per $1,000 borrowed. Home Improvement Loan Payment example: 36 monthly payments at 6.99% = $30.87 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.