Loans

Borrowing the funds you need today to meet your goals is an easy process at Yale New Haven Healthcare Federal Credit Union!

Benefits of Borrowing at YNHHFCU

Competitive rates.

Direct Deposit or Payroll Deduction to make worry-free automatic payments.

Variety of loans for almost any purpose.

Unsecured Personal**

Borrow on your signature for purchases, projects or needs that are important to you, such as a computer, home improvement or bill paying.

$500 minimum amount.

$10,000 maximum amount.

Maximum term of 48 months .

**Terms of Repayment Example - 48 monthly payments of $24.41 per $1,000 borrowed at 8.00% APR

Contact our Lending Department for more information or to apply online.

Vehicle**

Loans for new and used vehicles are available. Don't forget to check out our great rates!!

Up to 72 - month term available on new vehicles.

Up to 60 - month term available on used vehicles.

100% financing on new and used vehicles.
No penalties for early repayment.
Payment choices available: coupon book, share transfer or Payroll Deduction.

**Terms of Repayment Example - 48 monthly payments of $22.92per $1,000 borrowed at 4.75% APR

Share-Secured **

Borrow against your regular Share Savings on deposit at YNHHFCU without touching your funds. Your savings funds become available to you again as you pay down your loan.

No prepayment penalties.

Payment choices are coupon book, or Payroll Deduction.

**Terms of Repayment Example - 48 monthly payments of $22.36 per $1,000 borrowed at 3.50% APR

For more information please contact our Lending Department .

Overdraft Protection/Line of Credit

Protect your checking account against insufficient funds to avoid bounced checks and overdraft fees.

Separate application required.

Competitive rate.

For your convenience, funds are transferred to checking in increments of $100.

No per-transaction fees.

$500 minimum, $3,000 maximum amount.

Approval is based on credit history.

Home Equity**

One of the benefits of owning your home is to gain access to cash with a Home Equity Loan.

Fixed-Rate Home Equity Loans

5, 10 or 15 year terms*

$10,000 - $125,000.

Up to 85% of the equity you have in your home, less current mortgage balance.

No application fees, closing costs, points or prepayment penalty.

Possible tax advantages (please consult with your tax professional).

**Terms of Repayment Example - 60monthly payments of $18.87 per $1,000 borrowed at 4.99% APR

For more information please contact our Lending Department

*Click here to view our Loan Rates/Disclosures - Rates/Disclosures