Member Loans | Healthcare Financial FCU (New Haven, CT)

Personal Loans

Unsecured Fixed Rate Personal Loan

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

  • $500 minimum amount on personal - $1,000 minimum on home improvement.
  • $15,000 maximum amount.
  • Maximum term of 60 months.
Apply Now!

 Rates accurate as of 09/08/2023

*Terms of repayment example: 48 monthly payments of $24.89 per $1000 borrowed at 9.00% APR**
**APR= Annual Percentage Rate

Unsecured Personal Line of Credit

Between the long hours, constant uncertainties, and never-ending payments, many of our members are dealing with significant financial stress. That's not right. We want Healthcare Financial members to spend time with their families and friends, not with their bills.

That's why we're offering a personal line of credit to relieve some of the pressure.

With your personal line of credit, you'll enjoy:

•  An introductory fixed low rate for 6 months at 5.99% APR*

•  Easy online access and transferal of funds

•  And more!

Best of all—you can use your personal credit for anything you need!

You've helped us. Now, let us help you!

Apply for a Personal Line of Credit today!

 Rates accurate as of 09/08/2023

*APR = Annual Percentage Rate. Introductory fixed rate of 5.99% APR for 6 months, variable rate thereafter. This introductory rate can be reviewed or withdrawn at any time. After 6 months - Risk Based Lending Rates Apply. Rate is based on the current Wall Street Journal Prime Rate plus a margin. Margins range from 3.99% APR to 8.99% APR depending on creditworthiness. Minimum line amount $1,000. Maximum line amount $15,000. Minimum Interest Rate 5.99% APR. Maximum Interest Rate 17.99% APR. Federally insured by the NCUA. Equal Housing Lender.


Unsecured Home Improvement 

Borrow on your signature for home projects when you don't have enough equity in your home. New appliances, new furniture, new windows?  We can make it happen!

  • $1,000 minimum amount .
  • $15,000 maximum amount.
  • Maximum term of 60 months.
  • Rates as low as 6.49% APR**

Apply Now!

*Terms of repayment example: 24 monthly payments of $44.54 per $1000 borrowed at 6.49% APR**
**APR= Annual Percentage Rate

Rates accurate as of 09/08/2023

For more information, contact the Lending Department or visit our Payment Protection page here.

Share Secured Loans

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

  • No prepayment penalties.
  • Payment choices are a coupon book, or Payroll Deduction.

*Terms of Repayment Example: 48 monthly payments of $22.24 per $1,000 borrowed at 3.25% APR**
**APR= Annual Percentage Rate

Rates accurate as of 09/08/2023.

For more information, contact the Lending Department.

Student Loans

Student Loans for Healthcare Financial Federal Credit Union by Sallie Mae®

Wherever you are in your higher education, get the money you need for school.

Student loans from Healthcare Financial Federal Credit Union in partnership with Sallie Mae® could help!

For borrowers attending or borrowing for a student attending a degree-granting institution

Features & Benefits

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1


    Smart Option Student Loan® for Undergraduate Students

    Parent Loan

    Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which loan is right for you

Borrow responsibly.

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner.  Healthcare Financial Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.


We offer so many ways to contact us!

  • Check out our Chatbot MIA, our Member Interactive Assistant! She can answer many of your questions 24/7.
  • Use chat with our staff from anywhere!
  • Still have more questions?  Email our Lending Department or visit one of our 4 branch locations.


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