HOLIDAY LOAN

Borrow up to $3,000 for Holiday Shopping and Avoid the Store Credit Card Trap with a 

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I'm an Existing NIHFCU Member


Holiday loans offer low monthly payments and rates as low as 5.99% APR*. Here are just a few examples of the low monthly payments available:
 

RATES AS LOW AS 5.99%*APR

BORROW $500 - $3,000

6 - 36 MONTH TERMS

© 2020 NIH Federal Credit Union
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Loan Amount
Monthly Payment
$1,000
$30.42
$2,000
$60.83
$3,000
$91.25

Apply online through December 31, 2020 or, call us at 1-800-877-6440 to get yours today!
 

*Rates start as low as 5.99% APR (annual percentage rate) which includes a 0.50% discount for automatic debit of loan payment from a TotalCare Checking account.  Payment examples are for a 36-month loan at the lowest available rate (5.99%APR).  An approved applicant's actual interest rate depends on credit history.  All advertised rates and terms subject to change without notice.  Restrictions may apply. Membership and eligibility required.

I'm an Existing NIHFCU Member

I'm Not an NIHFCU Member

Join the Credit Union and ApplyApply in Online Banking

EHO - We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.

NCUA - Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Don't Pay 25% Interest on Your Holiday Purchases!

44% of Americans say they will apply for a store credit card this year. But what most don’t know is the average interest rate on those cards is 25.33%! Don’t get caught in the store credit card trap. There’s a better option. Now you can borrow up to $3,000 to help pay for your holiday expenses with a Holiday Loan from the NIH Federal Credit Union. Compare that high-rate store credit card to our Holiday Loan rates as low as 5.99% APR*, and avoid the pain when your credit card bill is due! With our Holiday Loan, borrow as little as $500 or as much as $3,000, plus, get a flexible term from 6-36 months.

You can save over $1,000 in unnecessary interest on a $3,000, 36-month Holiday Loan vs. a high-rate store card.

 
Store Card
Holiday Loan
  Rate
25.33% APR
5.99% APR*
  Total Interest
$1,309.55
$279.23
  Savings  
$1,030.32

These low monthly payments may be the best gift you get this year!

HOLIDAY LOAN

HOLIDAY LOAN

Loan Amount

$1,000

$1,500

$2,500

Monthly Payment

$31

$46

$77

Holiday Loan

5.99%APR*

$279.23

$1,030.32

Store Card

25.33%APR

$1,309.55


Rate

Total Interest

Savings


Here is an Example of How You Could Save