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Personal & Credit Builder Loans
Personal Loans
Open-end Overdraft Loans (unsecured)
Rates effective November 1, 2022
| Account Type | Type | APR* | |
|---|---|---|---|
| Overdraft/Revolving Loans | Open-end Revolving | Prime plus 4%* | $4.16 per $100.00 of the monthly outstanding balance or $35.00, whichever is greater. However, Your minimum payment will never exceed your outstanding balance. |
Consolidation/Personal Loans
When you know what you want and what you need but, just need a boost to make it happen - turn to us. We are here to get you where you see yourself, with the funds you need to help you on your way.
Rates effective November 1, 2022
| Account Type | Type | APR* as low as |
|---|---|---|
| Debt Consolidation/Personal Loans | Closed-end | 7.29%* |
Estimated Payment: A $1,000 loan at 7.29% APR for 24 months results in a monthly payment of $45, with total finance charges of $78, for total payments of $1,078.
Credit Builder Loan
Get on the right track to meeting your financial goals whether you are just starting to build credit or if you have stumbled in the past. Our programs for first-time borrowers and credit building/rebuilding give you the opportunity to build or rebuild your credit and improve your credit score, without costing you exorbitant amounts in rates or fees.
Rates effective November 1, 2022
| Account Type | APR* | Comments |
|---|---|---|
| Credit Builder Loan | 6.99%* | All proceeds deposited to a separate savings account until the loan is paid in full. |
*Annual Percentage Rate. Payment examples are approximate. NHFCU may lend to members only and all loans are subject to credit requirements. Rates and terms subject to change without notice. Open-end/Overdraft Loans: Monthly adjustable rate based on the Prime Rate in the Wall Street Journal as published on the first of each month. Personal/Consolidation loans: Your rate and amount(s) financed are determined by your personal credit history.