Rates

All rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate. Early withdrawal penalties apply for certificate accounts. Dividends compounded daily and credited monthly.

^**12 month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.

Rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.

Rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.

Rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.

Rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.

Rates, fees, and terms as of 01/22/2026 and subject to change without notice.

^*APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice.

¹ APY= Annual Percentage Yield

NIHFCU IRA products are not available online.  Please stop by any branch or call 1-800-877-6440 to start an IRA account. Fees may reduce earnings.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice. NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account.

¹ APY=Annual Percentage Yield. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate. Early withdrawal penalties apply for certificate accounts. Dividends compounded daily and credited monthly.  Tax penalties may apply to IRA contributions or withdrawals. Annual contribution limits may apply. NIHFCU does not offer legal, tax or accounting advice. Before making any investment decisions, please consult with your legal, tax and accounting professionals.

² Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice

Current year model or newer untitled vehicles, with up to 2,000 miles.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice.

Current year model or older vehicles of up to 8 years with 2,000-100,000 miles.

^* APR=Annual Percentage Rate. 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. Vehicles that have a model year older than 10 years will be priced at the Signature Loan rate. Payment example: Loan amount of $30,000 at a rate of 4.49% APR for 36 months would have monthly payments of $892.27. NIHFCU membership in good standing is required for loan disbursement. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice.

*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. Payment example: Loan amount of $20,000 at a rate of 7.99% APR for 36 months would have monthly payments of $626.64.

Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.

Rates, fees and terms as of 01/22/2026 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. Payment example: Home Improvement Loan amount of $10,000 at a rate of 7.49% for 36 months would have monthly payments of $311.02.

Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.

Rates, fees and terms as of 01/22/2026 and subject to change without notice.

¹Restrictions may apply. Payment example: Loan of $1,000.00 at a rate of 18.00% APR for 6 months would have monthly payments of $175.53.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice. Restrictions may apply.

Terms of 6 – 36 months available.

* For highly qualified applicants. Final rates & terms for approved applications depend on credit and payment history, payment method, and other factors that may be lawfully considered. Payment example: Loan of $1,000.00 at a rate of 7.49% APR for 24 months would have monthly payments of $45.00.

Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.

All rates, fees, and terms as of 01/22/2026 and subject to change without notice. Restrictions may apply.

¹ For highly qualified applicants. Final rates & terms for approved applicants depend on credit and payment history, payment method, and other factors which may be lawfully considered. Payment example: Loan of $1,000.00 at a rate of 6.74% APR for 24 months would have monthly payments of $44.65. Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.

Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account.

Rates, fees and terms as of 01/22/2026 and subject to change without notice.

^* APR = Annual Percentage Rate. Disclosed Rates and APRs are for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. All disclosed rates assume a 0.25% discount for automatic payment from an NIHFCU account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%.

The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 75%. Payment example: For a $10,000 Home Equity Loan for a term of 5 years @ 5.740% interest rate, the monthly payment will be $192.12. Adequate homeowner’s insurance is required for all real estate-secured loans.

FEES AND CHARGES: Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs.

Get a customized rate quote, or call us at 855.203.4747

Rates, fees and terms as of 01/22/2026 and subject to change without notice.

^* APR = Annual Percentage Rate. The APR disclosed is for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. The variable rate will adjust to be the greater of WSJ Prime Rate plus your margin, if any, or 4.00% (minimum interest rate/floor). The lifetime maximum variable APR is 18%. All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%.

The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 75%. Adequate homeowner’s insurance is required for all real estate-secured loans.

MINIMUM LINE OF CREDIT: The minimum Line of Credit is $10,000.
MAXIMUM LINE OF CREDIT: The maximum Line of Credit is $500,000 for less than 85.01% LTV. The maximum Line of Credit is $250,000 for 85.01% to 100.00% LTV.

FEES AND CHARGES: Closing costs may range from $450 to $7,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs.

Get a customized rate quote, or call us at 855.203.4747

Rates, fees and terms as of 01/22/2026 and subject to change without notice.

^*APR = Annual Percentage Rate. The APR disclosed is for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. The variable rate will adjust to the greater of the WSJ Prime Index plus margin, if any, minus 1.00%, or 4.00% minimum interest rate/floor. The lifetime maximum variable APR is 18%. All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%.

The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 60%. Adequate homeowner’s insurance is required for all real estate-secured loans.

MINIMUM LINE OF CREDIT: The minimum Line of Credit is $50,000.
MAXIMUM LINE OF CREDIT: The maximum Line of Credit is $250,000.

MINIMUM AVERAGE MONTHLY BALANCE REQUIREMENT: Borrower must maintain an average monthly balance on the line of credit of not less than $40,000 for the first 3 years following closing.

FEES AND CHARGES: Closing costs may range from $500 to $2,700 depending on property location and loan amount. Ask about how NIHFCU can help to pay most or all of your closing costs.

Prime-1% Home Equity Lines of Credit with a credit limit of less than $50,000 or with a credit limit above $250,000 will have higher APRs and other terms different from those disclosed.

Get a customized rate quote, or call us at 855.203.4747