Share Secured Loans
Use your NIHFCU savings to give yourself a loan.
Borrow and Save Simultaneously
Tap into your NIHFCU savings as loan collateral for virtually any borrowing need!
Features & Benefits
Pledge a portion of your NIHFCU shares – or certificates – for your loan collateral.
- Variable rates – prevailing share or certificate rate + 3.00%1, 2
- Generous repayment term options to help manage your monthly budget
- No fees or prepayment penalties
- Continue earning dividends on your deposit balances
- A great way to build or repair your credit history
As you pay down the loan, an equal number of shares are freed up and become available to you.
Today’s Rates
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Loan Type |
Annual Percentage Rate (APR) 1, 2 |
|---|---|
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Rates, fees and terms as of 10/28/2026 and subject to change without notice. 1 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. 2 The rate on this loan is variable, based on the dividend rate NIHFCU pays on the account pledged as security for the loan. |
|
|
Loan Type Share Secured |
Annual Percentage Rate (APR) 1, 2 Prevailing Share rate + 3% |
Certificate Secured Loan
Prevailing Certificate rate + 3%.
1Final 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.
2The 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.