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An affordable way to pay for home furnishings, a family vacation, or an unexpected expense that comes your way.

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Loan Rates

Loan Type Minimum Loan Amount Term APR* as low as
Personal Loan $500 up to 24 months 9.99%1
Personal Loan $2,000 25-36 months 10.24%1
Personal Loan $3,000 37-60 months 10.99%1
Personal Loan $5,000 61-84 months 11.99%1
Line of Credit $500 N/A 14.15%3
Savings Secured $500 up to 60 months 2.80%
Savings Secured $500 61-120 months 2.80%4

Use a Personal Loan for Whatever You Need!

If you’re ready to apply for a loan, make sure you’re prepared for your credit review by requesting the credit bureaus (Experian, Equifax, and TransUnion) to lift your credit freeze before you apply.

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Loan Types

With a revolving Line of Credit (LOC), you’ll enjoy the flexibility of borrowing funds when you need them. Our LOCs feature:

  • Low variable rate*
  • Maximum credit limit of $15,000 based on credit qualifications

You can get a LOC advance with an account transfer through Online Banking, by telephone, or in-person at one of our branches.

*Your initial Annual Percentage Rate (APR) will range from 14.15% to 18.00% based on your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month.

We offer Personal Loan amounts up to $25,000 based on credit qualifications with terms up to 7 years.1 You can use the funds for whatever you need.

A Savings Secured Loan lets you borrow up to 100% of the balance in your savings account. By using your savings account as collateral, you’ll enjoy a lower interest rate than our personal loans and these additional benefits:

  • Quick approval
  • Great way to establish or reestablish credit
  • Low fixed rates on 12-60 month term; variable rates on loans longer than 60 months4
  • Continue earning dividends on your savings balance over the loan term

With a Certificate Secured Loan**, you can borrow using the available funds*** in your Northwest Federal Certificate as collateral.

  • Quick loan approval
  • A great way to establish or reestablish credit
  • Continue to earn dividends on your
  • Certificate balance over the loan term
  • Borrow up to 100% of the Certificate balance (up to $100,000 max)
  • Loan rate is just 2% over the dividend rate you’re earning on the Certificate

**Minimum balance of $1,000 is required. In order for Certificate to be used for a Certificate Secured Loan you must have at least 12 months remaining on the Certificate term (or open a new 1-year Certificate). Loan repayment term is the remaining term of the Certificate. Payment example: a Certificate Secured Loan of $5,000 for 24 months at 2.95% will have a monthly payment of $215.07.

***Funds must be collected prior to loan disbursement.

*APR=Annual Percentage Rate. Rate current as of 01/01/25. Rate is based on an evaluation of credit history, so your rate may differ.

1 For debt consolidation loans, 1% will be added to the Personal Loan rates. A sample principal and interest payment on a $10,000 fixed rate Debt Consolidation Loan at 11.99% APR for 60 months is $222.39.

2 Your initial Annual Percentage Rate (APR) will range from 14.15% to 18.00% based on your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month.

3 Rate is variable. Contact Northwest Federal for more details. Savings secured loan payment example: savings secured loan amount of $5,000 for 60 months at 2.80% APR will have an estimated monthly payment of $89.50.