Consumer Loans: Unsecured Loans & Lines

Northern Hills Federal, we help finance your dreams.  Let us know what your dream is, and we’ll find solutions to help make your dreams come true.

Loans

Unsecured Loans & Lines

Combined unsecured loans are available up to $25,000 with various terms depending on the loan option. 

  • Visa Classic Credit Card

    Apply Now!

    Get your Visa card from the people you know... your home town credit union. We offer a low fixed rate as low as 9.9% Annual Percentage Rate, with a 25 day grace period on purchases and no annual fee.  We also have no cash advance fees!

    We dare you to compare our rate and terms to that of the competition.  Chances are you'll come out ahead in fees alone!

    Use our convenient calculators to help manage your credit card finances. Click here to use the Credit Card Minimum Payment and the Personal Debt Consolidation calculators.

    To view your VISA account or make a payment, click here.

    • Annual Percentage Rate (APR) for Purchases Visa Classic
    9.90% – 17.90%
    The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria.
    Other APRs

    Cash Advance... 9.90% – 17.90%
    The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria.

    Balance Transfer... 9.90% – 17.90%
    The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria.

    Penalty Rate... 14.90% – 18.00%
    The first time an account reaches two (2) consecutive payments past due, the penalty annual percentage rate will be imposed dependent upon the ANNUAL PERCENTAGE RATE and will remain there until the account has been current for six (6) months and then reduced to the rate then in effect for non-delinquent accounts.
    Grace Period for Purchases 25 Days
    Method of Computing the Balance for Purchases Average Daily Balance (including New Purchases)
    Annual Fee None
    Minimum Finance Charge None
    Transaction Fee for Purchases None
    Foreign Transaction Fee 1% of transaction limit
    Balance Transfer Fee None
    Late Payment Fee $25.00 if seven (7) or more days late
    Over-the-Credit Limit Fee $25.00 if $1.00 over your credit limit

    The information about the costs of the card described above is accurate as of 10/2006. This information may have changed after the date. To find out what may have changed, contact the credit union.

  • Personal Loans

    • We offer closed end single advance loans to qualified borrowers.  Personal loans have a fixed term and payment amount. 

  • Line of Credit (LOC)

    • We offer personal lines of credit to qualified borrowers.  Advances may be made by phone, by mail, in person, or through home banking.  A Line of Credit may be attached to a checking account.

  • Overdraft Protection (ODP)

    • An overdraft protection loan is a personal line of credit available to help protect your checking accounts with limits up to $1,000 to qualified borrowers.  Payments are automatically deducted from your checking account on the 25th day of each month.