Town of Hempstead Employees Federal Credit Union

Personal Loans

TOHEFCU has the perfect loan to suit your needs. We offer our members a wide variety of loans to get you through a rough month, consolidate your debts or give you some extra cash near the holidays.

Personal Loans

If an unsecured loan is the best borrowing option for you, try a low-rate TOHEFCU personal loan. This type of loan does not require any collateral and has a fixed payment and term, and a competitive rate.

Make sure to watch for our Seasonal Specials!

Line of Credit Loan

A TOHEFCU Line of Credit Loan is our most convenient loan. Once you are pre-approved, you can get cash when you need it.

  • An easy, convenient way to borrow for just about any reason imaginable
  • Eliminates the need for Payday Lenders
  • This is an open-end loan, so as you pay down your balance the funds become available to use again and again
  • Easy to manage payments with competitive fixed rates
  • No collateral required

Overdraft Line of Credit Loan

  • The Overdraft Line of Credit loan is designed to protect our member’s credit when they run a little short from time to time in their checking account
  • Avoid costly return item fees and the embarrassment of returned items
  • Limits can range from $500 to $5,000 based on credit worthiness
  • Funds are automatically advanced when you don’t have enough to cover a check, ACH debit, Bill Pay debit, or Visa Debit card transaction. You pay a small $2.00 fee for each overdraft advance.
  • Easy to manage payments with competitive fixed rates

Bill Consolidation Loan

A TOHEFCU Bill Consolidation Loan allows you to pay off your high-interest debt and have just one low monthly payment.

  • Simplify your bill payment and organize your personal finances
  • Available up to $30,000 for as long as 84 months for qualified members
  • A low rate of 9.9%
  • Bring in your bills with your completed application and we’ll do the rest

Remember all of our loans offer easy repayment through Payroll Deduction, Direct Deposit, or Automatic Payments.

Ask us about Credit Life and Credit Disability Insurance to protect your family.

Loan Calculators