Signature Loans | Savings Secured Loans | Auto & Truck Loans | Boats, Motorcycles, Campers | Home Equity Loans | First Mortgage Loans | Seasonal Loans  | Credit Cards | Loan Term & Rate Schedule

As a member of New Horizons Credit Union, you have the opportunity to borrow for any provident and productive purpose whenever the need arises. Our rates are generally lower than you'll find elsewhere, and with payroll deduction or electronic funds transfer (EFT), making payments is easy.

All NHCU loans use simple interest with no penalties for prepayment and no application or processing fees. When payments are made by payroll deduction, or EFT, you can lower your interest charges.

For the ultimate in convenience, you can CLICK HERE for the loan application and apply right now or you may call the office nearest you during business hours to apply and ask any questions you might have. If you're not near an office and need to speak to a member service representative call 1-877-994-9972 and press "0".

NHCU offers Credit Life and Credit Disability insurance on most loans at very reasonable rates. This is a wonderful way to protect your credit history should you suffer a major illness or injury, and not burden your family in the event of your death.

Signature Loans - CLICK HERE for the loan application and apply right now

This is the loan that credit unions were founded on. Borrow a few hundred dollars or a few thousand for any provident and productive purpose. Use the money for furniture, pay off credit cards, vacation, etc. Loan amounts are based on the credit qualifications of the member and the current amount of unsecured debt owed to NHCU.

Savings Secured - CLICK HERE for the loan application and apply right now

Often called a share loan, you pledge monies on deposit in the credit union to secure the loan. Since this loan is 100% secured, you receive a really great interest rate which is the rate you are earning plus a spread established by our Board of Directors. This may be a term loan or may be repaid in monthly installments.

Auto & Truck Loans - CLICK HERE for the loan application and apply right now

Have your eye on a car, truck or SUV? Whether it's new, or previously owned, the credit union has the perfect financing plan for you. Terms up to 84 months on new and 72 months on previously owned vehicles.

Click Here to check prices of new and previously owned vehicles. NADA will give you the information you need to negotiate a great deal.

Don't want the hassle of haggling price with the dealer? With a pre-approved loan from the credit union all you have to do is pick up your new vehicle.

Boats, Motorcycles, Campers, etc.

We call this type of loan a recreational vehicle loan. It covers just about anything you might use to enjoy your leisure time. Powered, or unpowered, with or without wheels, before you let the dealer arrange financing check our great rates and terms. CLICK HERE to apply for this loan.

Home Equity Loans - CLICK HERE for the loan application and apply right now

Both revolving and closed-end plans are available, both with great rates and affordable terms. We'll lend up to 80% of the value in your home, less any first mortgages, to help with remodeling projects, buying a new car, financing higher education, bill consolidations, and more. The interest you pay may be tax deductible (check with your tax advisor). Revolving equity loans have a variable rate of interest, while closed end loans are at a fixed rate based on the term of the loan.

First Mortgage Loans - CLICK HERE for the loan application and apply right now

NHCU offers a full range of fixed and variable rate first mortgage loans to meet just about any home-buying or refinancing need. Conventional 15, 20 and 30 year plans are available, along with several other choices. Again, we provide all information up front to help you know you're getting the best mortgage for you. Call 1-877-994-9972 and speak with our mortgage department.

Seasonal Loans - CLICK HERE for the loan application and apply right now

Just like any business we have seasonal specials.

Our biggest is our Holiday Loan that runs from October through January each year. Borrow up to $2,500 for 12 months at a great rate. Use it to pay your credit cards when the holiday bills roll in, or plan ahead for those holiday sales. You can even use it for a holiday get away to the mountains for skiing, or a warm climate to escape Old Man Winter.

From May 15th to August 15th each year we offer our Vacation Loan. Up to $2,500.00 for up to 12 months. Travel to a place you've always wanted to visit, or buy some new patio furniture and a grill, and just chill in your backyard.

Watch for special announcements when you log on to our home page.

Do you want to DRAMATICALLY cut the cost of your credit?

Then open a New Horizons Credit Union Visa today (available to members only). Over the life of your card, you can pocket hundreds, even thousands of dollars that you'll save on finance charges and fees. As a NHCU Visa holder, you'll enjoy these advantages:

11.88% APR (fixed interest rate) No annual fee Up to a $10,000 credit limit (available to members only) 25-day grace period on purchases No minimum finance charge Cash advances at 11.88% APR                                                          No cash advance fee Visa ATM access No application fee

Click here to check your VISA Balance or make a payment

You don't have to be a mathematician to know that a credit card with these advantages will save you money. Now is the time to stop paying interest rates as high as 22% on other credit cards. Transfer your balances to a NHCU Visa and start saving money immediately, or open a NHCU Visa and use it as your card of choice.

DISCLOSURES

Use of Card - You agree not to make or permit to be made any illegal transactions on your Account through use of a Card, a check or in any other manner. We may deny authorization for any Internet gambling transaction.