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 01/24/2026 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. |
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Loan Type Share Secured |
Annual Percentage Rate (APR) 1, 2 Prevailing Share rate + 3% |
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Loan Type |
Annual Percentage Rate (APR) 1,2 |
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Rates, fees and terms as of 01/24/2026 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 Certificate-secured loan payoff must not exceed the maturity date of the pledged certificate. |
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Loan Type Certificate Secured Loan |
Annual Percentage Rate (APR) 1,2 Prevailing Certificate rate + 3% |