Personal Loans
Get Ahead This Holiday Season
Don’t let the holidays stress your wallet this year—get 1% APR off your qualified personal loan rate and enjoy some extra holiday relief, but hurry, this offer is for a limited time only!*
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 Rates
Rates Effective: September 27, 2024. Personal Loan: Credit application is required. Must be 18 years of age or older and a member of Neighborhood Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.74% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $216.13 per month at a non-variable interest rate of 10.74% APR with a 60-month term. This equates to $2,967.79 over the life of the loan.) Membership required with a $25 minimum deposit. Equal Opportunity Lender.
| Term | Rate |
|---|---|
| Unsecured Line of Credit | |
| Revolving | As low as 10.74% APR |
| Unsecured Personal Loans | |
| 36 months or less | As low as 10.74% APR |
| 37-60 months | As low as 11.74% APR |
| Overdraft Loan | Fixed rate of 18.00% APR |
| Projects Plus Home Loan | View Rates |
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200 and $100 for a Personal loan!
Home improvement with a personal loan? That's Projects Plus!
Our Projects Plus Home Loan 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.