Personal Loans
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.
Personal Loan Plus
Got a big project in mind? Personal Loan Plus lets you fund major home projects - no home visit required.
Personal Loan Rates
¹Rates Effective: October 1, 2026. 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 1.00% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), and refinancing your auto loan currently financed with another lender when funding a new unsecured personal loan (0.55%). Rates subject to change prior to loan funding. Rates may change after funding should applicant not meet the discount criteria within 60 days. Equal Opportunity Lender.
| Term | Rate |
|---|---|
| Unsecured Line of Credit | |
| Revolving | As low as 12.99% APR |
| Unsecured Personal Loans | |
| 12 months or less | As low as 7.49% APR |
| 25-36 months | As low as 7.47% APR |
| Overdraft Loan | Fixed rate of 18.00% APR |
| Personal Loans Plus | As low as 9.74% APR |