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Need to remodel your kitchen, bathroom or paying on high interested debt? A home equity loan could be the perfect solution! Home equity loans rates are lower than personal loans, have higher loan limits and the paid interest could be tax deductible. Consult a tax advisor for this information. Think you have limited equity? Ask about our 100% equity option.

  • Loan minimum $5,000
  • Loan maximum $75,000
  • Fixed rates and terms between five to 15 years
  • Loan to value ratio 90 percent
    • 100 percent loan to value ratio available at a slightly higher rate

Application

Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2 or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be emailed to loans@mynifcu.com. NIU employees (only) are welcome to fill out the NIU's income verification form.

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

Apply Today