Personal Loans


Weddings in Aruba. Honeymoons in Iceland. The hottest new computer. Oh, and taxes…
Life is full of ups and downs. That’s why we offer personal loans to fit every wonderful, wacky moment.

It’s your life. And NRLFCU is your trusted partner for helping you realize your dreams and get more out of life.


We offer nearly as many types of loans as you’ve got dreams—including special MyChoice loans for young adults. Plus, all personal loans are eligible for NRLFCU Loyalty Rewards—which could lower your rate by as much as .25% APR!

Signature/Personal Loan

Signature loans can be used for whatever you have in mind—from a new sofa to a new hip. Medical expenses, vacations, taxes, and debt consolidation—now anything’s possible with a low-rate loan.

  • Rates as low as 6.40% APR.
  • Spread payments over time—from 12 to 60 months.

InstaCash Line of Credit

Oops—did you overestimate the amount in your checking account? Don’t worry. We’ve got your back, with a personal line of credit that offers coverage just when you need it.

  • Overdraft protection on your checking account without an overdraft fee.
  • You don’t pay a cent until you access it.
  • 12.00% APR.

Savings or Certificate Secured Loan

Borrow against your own money at flexible terms you can choose yourself. Simply use your savings or certificates as collateral for a loan—and enjoy our lowest available rates.

  • Certificates may be used as collateral up to the maturity date of the certificates (the rate is fixed for the term).
  • Savings secured loans are available up to the aggregate balance of primary and family savings accounts (rates are variable and can change quarterly as the regular savings rate changes).
  • Earn dividends on the savings balance you pledge over the term of the loan.
  • Flexible terms (your choice of up to 144 months for savings secured/to maturity for certificate secured).

Loyalty Rewards Lowers Rates

All NRLFCU personal loans—including computer, debt consolidation and the 12-month personal loans may have Loyalty Rewards applied.

See how much you can save when you borrow with NRLFCU with our easy-to-use calculators. Not sure which loan is right for you? Contact us. Ready to borrow? Apply now.