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Refinancing your loans from other lenders is great money management and may allow you to:

  • Reduce the amount of your monthly payments

  • Save hundreds, if not, thousands in interest over the life of your loans

  • Simplify your busy life by consolidating loans into one easy payment

  • Redirect your potential savings to other personal needs and goals

At the NIHFCU, we are ready to evaluate all of your existing loans and provide a plan that may be able to help you achieve your goals…for less. 

Scroll down to learn more about NIHFCU refinancing options…or click below to get a Second Opinion review of your debit from our team of no-hassle and honest specialists.  

Speak to a Second Opinion Specialist
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Home Loans

Refinancing your home is easier than you may think.  Our mortgage specialists take the stress and complexity out of process, and with superb rates and member-friendly programs, we can get you into a mortgage you’ll love…for less.  

  • Low rates on fixed, adjustable or jumbo mortgages

  • Loan amounts up to $1,500,000 available

  • Dedicated mortgage team assigned to you from start to finish

To learn more about NIHFCU’s mortgage programs or to apply, visit our mortgage page.

Interested in refinancing a home equity loan or line? click here

Speak to a Mortgage Specialist
Speak to a specialist or get a complimentary, no obligation refinance check-up
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Credit Cards

Tired of high credit card rates and fees?  Our Visa® credit cards are loaded with benefits, including rates and fees that are commonly far lower than you will find just about anywhere else.

  • 0% APR for the first 15 months on balance transfers and purchases  (then, a variable APR of 8.24%-17.24%).1  

  • No annual fee1

  • Low fees

  • Big rewards for our signature card holders

  • Credit limits up to $25,000 1

  • 24/7 fraud monitoring and Visa Zero Liability

  • And, much more!

To learn more about NIHFCU credit card options or to apply, visit our credit cards page

Speak to a Loan Refi Specialist
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Auto Loans

Most people don’t get the best deal when they first finance their vehicle with a dealer or a bank.  That’s where we come in, with exceptional auto loan refinance terms we can often save our members money and even reduce their monthly payment.2

  • Great low rates and payments3

  • Make no payments for 90 days 5

  • Skip a pay every 12 months 6

To learn more about saving money with an NIHFCU auto loan or apply, visit our Auto loan page.

Speak to a Loan Refi Specialist
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Debt Consolidation

Many people aren’t aware of all the debt they have, and how much it costs them in interest each year. With multiple ways to consolidate your debt, our specialists can evaluate your situation, and design a plan that’s right for you. 

  • Reduce your monthly payment amounts

  • Simplify your life with one loan payment instead of many

  • Free up money for other personal needs

Speak to a Loan Refi Specialist
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Student Loans

Let us help you reduce the amount of your education debt and help free up money for your other life pursuits.  Student loan counselors are here to guide you through refinance options for your federal and private student loans.7

  • Low rate variable and fixed options8

  • Amounts up to $250,000 for medical specialists and $125,000 for all other refinances

  • Terms up to 15 years with no origination or pre-payment fees

To learn more about our student loan refinance programs or apply, visit our student loan refinance page

Speak to a Student Refi Specialist
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Home Equity

We make it easy to use the equity in your home for needs such as home renovations/repairs, major purchases, debt consolidation, education expenses, medical bills, and more! 

  • Great rates on fixed loans and lines of credit

  • No NIHFCU or third party fees 9

  • No annual or application fees

  • Potential tax-deductions on interest paid 10

To learn more about NIHFCU’s home equity options, or to apply, visit our home equity page

Speak to a Home Equity Refi Specialist
Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. All loan rates and terms are subject to change without notice. Restrictions apply.
Credit Card:
1 APR=Annual Percentage Rate. APRs vary by card and depend on creditworthiness. 0% APR for the first 15 months on balance transfers and purchases (Then, a variable APR of 8.24%-17.24%) excludes store cards. A balance transfer fee equating to the greater of 2% or $10 applies. See Pricing and Terms for complete credit card disclosures. All new applications are subject to terms, conditions and credit approval. All information as of April 1, 2022 and subject to change.
Auto Loan Refinance
2 Credit restrictions apply; all loans are subject to credit approval and terms may vary. 
3 Annual Percentage Rates (APRs) as of 2/1/2021 and subject to change without notice. The lowest APR shown is available to applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. 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. Restrictions may apply. Payment example: Loan amount of $20,000 at a rate of 1.99% APR for 36 months would have monthly payments of $573.00. The NIHFCU does not provide loans for private party purchased vehicles.
5 A 90-day deferral of the first payment is an option available on all vehicle loans. Deferring a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply
6 Skipping a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the payment skipped. Auto loan skip-a-pay program is subject to change at any time; restrictions apply. Complete the Payment Vacation form to enroll
Student Loan Refinance
7 The CARES Act was passed in response to events related to the Coronavirus pandemic and includes broad relief measures for federal student loan borrowers. If you are considering refinancing your federal student loans, please make sure to review these measures at www.studentaid.gov/coronavirus to understand your options. 
8 Annual Percentage Rates (APRs) as of 4/1/2021 and subject to change without notice. The advertised APR is available to applicants with excellent credit for a 60-month loan and includes a rate discount of 0.25% for automatic payments. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Final rates and terms for approved applications depend on the credit and payment history, payment method and other factors that may be lawfully considered. Restrictions may apply. Loan amount of $25,000 at 2.75% APR for 60 months would have monthly payments of $446.
Home Equity Refinance
9 Features available on new Home Equity Loans and Lines of Credit originated on or after June 1, 2019. For most new Home Equity Loans and Lines of Credit, the NIHFCU will cover borrower’s third-party fees, excluding government recording fees and taxes. Loans and lines paid off and closed in less than three years from the loan closing date will require borrower to reimburse all third-party closing costs paid by the NIHFCU on borrower’s behalf. For loan amounts up to $500,000, closing costs typically range between $450 and $7,500. Closing costs depend on the location of the property, property type and the amount of the loan. Member pays all closing costs for purchase money loans.
10 The NIHFCU does not provide tax advice. See your tax advisor for details.
All information as of May 19, 2022 and subject to change or cancelation at any time