HOLIDAY LOAN

High-rate store cards can turn holiday shopping into holiday debt.
Protect yourself with a

Apply in Online Banking

I'm an Existing NIHFCU Member


Holiday loans offer low monthly payments and rates as low as 6.49% APR*. Here are just a few examples of the low monthly payments available:
 

RATES AS LOW AS 6.49%*APR

BORROW $500 - $2,500

6 - 36 MONTH TERMS

© 2019 NIH Federal Credit Union
Join the Credit Union and Apply

I'm Not a NIHFCU Member

Loan Amount
Monthly Payment
$1,000
$31
$1,500
$46
$2,500
$77

Apply online, call us at 1-800-877-6440 or visit any branch from October 15 – December 31, 2019 to get yours today!
 

*Rates start as low as 6.49% 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 (6.49% 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 a 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.

You Could Save Hundreds of Dollars in Unnecessary Interest!

Did you know the average interest rate on a store credit card is 22% APR? There’s a better option. The Holiday Loan from NIH Federal Credit Union offers rates as low as 6.49% APR*, which translates to big savings in the new year. Holiday loans let you borrow as little as $500 or as much as $2,500, plus they offer flexible terms from 6-36 months. So, don't fall into the debt trap this holiday season. A Holiday loan can save you over $500 in unnecessary interest when you finance $2,500 over 24 months.
 
 
Store Card
Holiday Loan
  Rate
24.65% APR
6.49% APR
  Total Interest
$691.76
$172.50
  Savings  
$519.26

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

6.49%APR*

$172.50

$519.26

Store Card

24.65%APR

$691.76


Rate

Total Interest

Savings