Personal Loans
Explore. Experience. Energize.
Create unforgettable experiences without the financial burden—enjoy 1% APR off your qualified rate with our vacation loan.*
Neighborhood Credit Union Personal Loans
Whether you’re taking a vacation, consolidating bills, doing home or auto repairs, or just need some cash, apply for one of Neighborhood Credit Union's Personal Loans today.
Line of Credit
Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection.
Share Secured Loans
Use the funds in your savings, CD or Money Market account as security against the loans. Enjoy low rates while you continue to earn dividends on your savings.
Overdraft Loan
Avoid checking account charge-offs with an Overdraft Loan. It's a personal loan with a low fixed rate and no credit check required.
Need help this tax season?
Tax season is here—need a little extra help covering your tax payment? Our Personal Loans, with rates starting as low as 7.14% APR, offer the financial support you need to ease your tax season stress.¹
Personal Loan Rates
¹Rates Effective: February 24, 2025. Personal Loan: *Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $2,001 required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.35% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit and setting up automatic payments. Equal Opportunity Lender.
| Term | Rate |
|---|---|
| Unsecured Line of Credit | |
| Revolving | As low as 11.14% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 7.14% APR |
| 37-60 months | As low as 9.24% APR |
| Overdraft Loan | Fixed rate of 18.00% APR |
| Projects Plus Home Loan | View Rates |
Pay Your Loan Anytime, Anywhere
Secure, Convenient Payments with Our Self-Service CenterHome improvement with a personal loan? That's Homeowner Project+!
Our Homeowner Project+ is classified as a personal loan, making it a simple lending process on both borrower and lender. Finally get that pool, invest in solar panels, or start those improvements.