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Rates
Home Loans/Mortgages
Visa Credit Cards
Personal/Debt Consolidation
Home Equity Loans
New & Used Autos
Recreational Vehicles
Certificates & Savings
Money Market Share Accounts
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Rates


Home Loans/Mortgages

If you're in the market to purchase a home, now's the time to see your Credit Union for saving money and time on your new home purchase! We are a local institution  - an institution you already know and trust.  If you have questions or problems with your mortgage, we are a short drive or a quick phone call away. The rates listed below were effective on the date listed and are subject to change daily.  They represent a small sample of the programs available through NH Federal Credit Union.   Your home is your most important investment.  Invest in a home loan from a lender you know and trust. We want to help you personally handle your biggest investment.  Contact us to apply today:  mortgage@nhfcu.org. Please include your name, a contact number and best time to reach you.  You may also phone a lending representative at (603) 224-7731.

Your Life. Your Home.
 

Purchases & Refinances - Conventional

Rates effective February 24, 2017
  Account Type  Rate  Points  APR  Monthly Payment
30 yr Fixed Rate4.125%No Points4.209%*$484.65 per $100,000.00Calculator 
20 yr Fixed Rate3.875%No Points3.990%*$599.41 per $100,000.00Calculator 
15 yr Fixed Rate3.500%No Points3.646%*$714.88 per $100,000.00Calculator 
10 yr Fixed Rate3.250%No Points3.460%*$977.19 per $100,000.00Calculator 
    *Annual Percentage Rate. Payments and APR listed are the best available rate.  Loan-Level-Pricing adjustments (LLPA) may apply. NHFCU may lend to members only.  Rates and terms are subject to change without notice. Listed payments do not include taxes or insurance. Maximum loan amount of $417,000. All loans are subject to credit requirements.
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Visa Credit Cards

We offer a stable, fixed rate.  So, there are no surprises with a NH Federal Credit Union Visa Credit Card, just the best local, personal service you have come to expect from YOUR credit union.

Rates effective February 1, 2017
Receive discounts and rewards by shopping with your VISA card. Click here to find out more!

IMPORTANT CREDIT CARD DISCLOSURES                               

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of February 28, 2015. You can contact us toll free at (800) 639-4039 to inquire if any changes occurred since the effective date.
 
INTEREST RATES and INTEREST CHARGES                               

   
Annual Percentage Rate (APR) for Purchases,   Cash Advances, & Balance Transfers  12.90%  
   
How to Avoid Paying Interest on Purchases Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES:                                                                                             
Fees to Open or Maintain Your Account:
  • Annual Fee
  • Application Fee


  None

  None
Transfer Fees:
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


  None

  None

1% of each transaction in U.S. dollars if the transaction  involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees:
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • ATM Decline


Up to $25.00 if your payment is more than 21 days late
  
None


Up to $25.00 if your payment is returned for any reason

Up to $5.00 if your ATM transaction is declined for any reason
 
*Annual Percentage Rate. NHFCU may lend to members only. All loan are subject to credit requirements. Contact us for membership eligibility.
Visa Credit Card Fee Dislosures
  Fee Type   Fee
Annual Fee None
Application Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.

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Personal/Debt Consolidation

Credit Building Loans

Rates effective February 1, 2017
Get on the right track to meeting your financial goals whether you are just starting to build credit or if you have stumbled in the past.  Our programs for first-time borrowers and credit building/rebuilding give you the opportunity to build or rebuild your credit and improve your credit score, without costing you exorbitant amounts in rates or fees.   
  Account Type  APR  Comments
Share Variable2.5% over dividend rateAsk a Member Service Representative for details.
  
Credit And Savings Builder0%$45 non-refundable application fee.Calculator 
Certificate2.5% over dividend rateAsk a Member Service Representative for details.  
*Annual Percentage Rate.  $45 non-refundable application fee.
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Closed-End Unsecured/Signature Loans

Rates effective February 1, 2017
  Account Type  Type  APR
Debt Consolidation/Personal LoansClosed-end12.9%CalculatorApply Now
*Annual Percentage Rate. Each applicant will be charged a $60.00 non-refundable application fee for unsecured/signature loans. All loans subject to credit requirements. NHFCU may lend to members only.
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Open-end Overdraft Loans (unsecured)

Rates effective February 1, 2017
  Account Type  Type  APR  Monthly Payment
Overdraft/Revolving LoansOpen-end* RevolvingPrime plus 7.25%$4.16/$100.00 (Min $35.00) Apply Now
*Annual Percentage Rate. There is a $99 annual fee for revolving/overdraft loans. Revolving loans and overdraft loans are adjustable-rate loans.  Rates are adjusted quarterly based on the Prime Rate as published in the Wall Street Journal. All loans are subject to credit requirements. NHFCU may lend to members only.   
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Home Equity Loans

You choose the home equity loan to suit your needs.  If you are looking to consolidate debt, pay off another home equity line-of-credit, or want a one-time advance, then our fixed-rate home equity loan will be right for you.  But, if you want to access your home equity loan for things like home improvement projects and tuition bills, consider our adjustable-rate home equity loan.  NH Federal Credit Union is an Equal Housing Lender.

Home Equity Fixed Rate

Rates effective February 24, 2017
  Account Type  Rate  APR  Comments
3 to 10 Year Fixed4.35%4.819%**APR listed is based on the 10 year term.  APR will vary based on term.
  
*Annual Percentage Rate.  Minimum loan amount $10,000.  Origination fee:  $220. Closing costs are incurred and may vary based on lien position. NHFCU may lend to members only.  Rates and terms are subject to change without notice.  All loans are subject to credit requirements.  Monthly payment of $102.92, total finance charge of $2,350, total payments of $12,350 based on a 10 year term.
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New & Used Autos

You're Driving.  You'll drive a better deal with NHFCU by your side.

We finance new and used cars, trucks, and SUV's with some of the best rates around and no gimmicks.  If you already have an auto loan through another lender, but our rate looks better, save money by refinancing with us. 
 
Like what you see?  Check out our super low mortgage rates!

Purchases -All Model Years

Rates effective February 1, 2017
  Account Type  Term  APR  Comments
2014 or Newer up to 60 months1.99%    
CalculatorApply Now
All Other Model Years up to 60 months2.99% Auto less then 100,000 miles.        
CalculatorApply Now
First-Time Auto Buyer up to 60 months6.99% or 7.99%APR based on amount financed.
CalculatorApply Now
*Annual Percentage Rate (APR). All loans are subject to credit requirements.  Rates and terms are subject to change without notice.  Rates not available for vechicles already financed with NHFCU.  Mileage, age, and condition of the vehicle may affect the terms and rate of any loan. 72 month financing available.   NHFCU may lend to members only. 

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Recreational Vehicles

Your Money.  Your Fun.

NADA Guides for Motorcycle,  ATV/UTV,  SnowmobileRV and Marine.

Snowmobiles, Motorcycles, Boats, Campers & More

Rates effective February 1, 2017
  Account Type  APR
Purchases/Refinancesas low as 4.99%*CalculatorApply Now
*Annual Percentage Rate.  NH Federal Credit Union may lend to members only.  All loans are subject to credit requirements.  Rates and terms are subject to change without notice.  Rates not available for vehicles already financed through NH Federal Credit Union. 
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Certificates & Savings

You'll find lower minimum balance requirements and some of the best rates in NH from your local Credit Union.  Check out the Annual Percentage Yields listed below. 

IRA and Certificate Rates

Rates effective February 22, 2017
  Account Type  APY  Dividend Rate  Minimum Balance
3 months.25%.25%$500.00  
6 months.30%.30%$500.00  
12 months.55%.55%$500.00  
18 months.65%.65%$500.00  
24 months1.00%.99%$500.00  
30 months1.20%1.19%$500.00Calculator 
36 months1.35%1.34%$500.00Calculator 
42 months1.45%1.43%$500.00Calculator 
48 months1.80%1.78%$500.00Calculator 
60 months2.00%1.98%$500.00Calculator 
IRA Variable.20%.20%$1.00  
*Members under age 18 may open certificates for 12 months or more with just $250.00.  Otherwise, the minimum to open and earn the stated dividends is $500.00. A substantial penalty is imposed for withdrawal of principal in certificates prior to maturity.  Fees could reduce earnings. Regular deposits insured to at least $250,000; by the NCUA, an agency of the Federal Government.
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Share Rates

Rates effective February 1, 2017
  Account Type  APY  Dividend Rate  Minimum Balance
Shares.05%.05%$25 to open/earn dividends  
Clubs.05%.05%$.01 or more  
*Rates could change after the account is open. Dividends are based on earnings and cannot be guaranteed.  Fees may reduce earnings.  Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government. 
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Money Market Share Accounts

Rates effective February 1, 2017
  APY  APR  Minimum Balance
.15%.15%< $2,500  
.15%.15%$2,500  
.20%.20%$25,000  
.20%.20%$50,000  
No minimum balance required to open the account.  Rate could change after the account is open.  All rates and terms are subject to change without notice. Dividends are based on credit union earnings and cannot be guaranteed.  Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government.  Fees could reduce earnings.
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NMLS#: 440568
Routing#: 211489083
©2015 New Hampshire Federal
Credit Union. All rights reserved.
70 Airport Road
Concord NH 03301
(603) 224-7731
(800) 639-4039
47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
71 Calef Highway
Lee, NH
(603) 224-7731
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