Overdraft Loan — Neighborhood Credit Union is a personal loan from Neighborhood Credit Union. The ongoing APR is Fixed rate of 18% APR. Typical credit limit: Minimum loan amount is $250.00. Maximum loan amount is equal to the current overdrawn amount at the time of application.. Loan terms: up to 6 months for loan balances $1,000 or less or up to 12 months on balances over $1,000.