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Rates
Mortgages - Jumbo rates are as low as regular rates!For info on our complete range of mortgage products, including applying for federal financing programs, click here. To apply for a conventional mortgage with us, please email us directly at mortgage@nhfcu.org. Your Life. Your Home.
NHFCU - Includes Jumbo Loan RatesRates effective July 1, 2022 Account Type | Rate | Points | APR | Monthly Payment | | | 30 yr Fixed Rate | 5.000% | No Points | 5.088%** | $536.82 per $100,000 |  | | | 20 yr Fixed Rate | 4.625% | No Points | 4.743%** | $639.42 per $100,000 |  | | | 15 yr Fixed Rate | 4.375% | No Points | 4.524%** | $758.62 per $100,000 |  | | | 10 yr Fixed Rate | 4.250% | No Points | 4.464%** | $1,024.38 per $100,000 |  | | **Annual Percentage Rate (APR) is accurate as of the date shown. Rates and terms are subject to change without notice. The actual rate and APR available to you may be different than the rates posted based on your credit history, loan amount, property type, product features, down payment, as well as other criteria. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. All mortgage loans are subject to credit approval. Maximum conventional loan limit is $647,200 ($970,800 in Rockingham & Strafford Counties). Jumbo minimum loan amount is $647,201 ($970,801 in Rockingham & Strafford Counties).
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Home Equity Line of Credit 3.99% APR* - No closing costs
- No annual fee
- No application fee
- Just access to the equity in your home!
HELOC Special 3.99% APR - Fixed for 12 months!Rates effective June 17, 2022 Account Type | Rate | APR | Minimum Balance | Loan Amount | Maximum Loan Amount | | | 12 Months Fixed - 3.99% APR* | 3.99% | 3.99%* | $10,000 minimum credit line, but, no minimum balance required. | $10,000 | 80% Combined Loan-to-Value (CLTV) |  | | *HELOC discounted rate of 3.99% APR (Annual Percentage Rate) is fixed for the first 12 months. After the 12 months, the rate will vary based on the Wall Street Journal Prime Rate published on the last business day of the month. Prime Rate as of 6/15/2022 is 4.75% APR. The APR may increase after the loan is closed; maximum APR is 18% or the maximum permitted by law. The minimum line of credit is $10,000 and the maximum line of credit is 80% Combined Loan to Value (CLTV). During the 10-year draw period, a Home Equity Line of Credit with a balance of $10,000 and an APR of 3.99% for the first 12 billing cycles will result in 12 interest only payments of $32.79. After the promotional period, if you took a single $10,000 advance and the annual percentage rate were 4.75%, it would take 20 years to pay off the advance if you made only the minimum payment. During the draw period you would make 120 monthly payments of $39.04, followed by 120 monthly payments of $104.87 during the repayment period. No closing costs at consummation, however member will be responsible for up to $900.00 in closing costs if the loan is paid off and closed in the first three years. A tax adviser should be consulted regarding deductibility of interest or charges for HELOCs. HELOC is available for: 1-4 family owner-occupied primary residences or condos. Property cannot be listed for sale. Property insurance is required. Flood insurance is required if the property is in a flood zone. NHFCU may lend to members only. Promotion starts 06/17/2022 and all rates, terms, and conditions are subject to change or be discontinued without notice.
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Home Equity LoansChoose the home equity loan that works for you: - Special Available June 17, 2022: 3.99% APR fixed for 12 months. Get details here.
- Home Equity Line of Credit - Establish a credit line you can access any time for any purpose based on the equity you have in your home. No application fees, no early termination fees, and no out of pocket costs to establish!
- Home Equity Fixed Rate & Term - Borrow a lump sum of money based on the equity you have in your home, and repay in a specified time frame. This type of home equity loan is great when you know exactly how much you need to borrow - and you can choose the time frame for repayment.
Fixed Home EquityRates effective June 17, 2022 Account Type | Rate | APR | Maximum Term | Minimum Balance | Monthly Payment | Total Finance Charge | Total Payments | | | Fixed Rate As Low As 4.75%*** | 4.750% | 5.273% | 120 months | $10,000 | $104.87 | $2,584.09 | $12,584.09 |  | | *Annual Percentage Rate.
HELOCs available for 1-4 family owner-occupied, primary residences. Closing costs may apply. ***Fixed Rate Home Equity Loans. Annual Percentage Rate (APR) includes charges to process your loan. Other rates and terms may be available. Minimum amount is $10,000. Maximum loan amount is based on 80% CLTV (combined loan-to-value). All rates and terms are subject to change without notice. All loans are subject to credit requirements and NHFCU may lend to members only. Property insurance is required. Flood insurance is required if the property is in a flood zone.
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New & Used Vehicles, Purchases & RefisModel Years 2020 & NewerRates effective July 1, 2022 Account Type | APR | Maximum Loan Amount | | | as low as | 2.69%* | Up to 110% MSRP New or 110% JD Power Used Retail |  |  |
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Model Years 2016 - 2019Rates effective July 1, 2022 Account Type | APR | Maximum Loan Amount | | | as low as | 2.89%* | Up to 110% MSRP New or 110% JD Power Used Retail |  |  |
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Model Years 2014-2015Rates effective July 1, 2022 Account Type | APR | Maximum Loan Amount | | | as low as | 3.99%* | Up to 110% MSRP New or 110% JD Power Used Retail |  |  | *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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Personal LoansOpen-end Overdraft Loans (unsecured)Rates effective July 1, 2022 Account Type | Type | APR | Maximum Loan Amount | Minimum Payment | Comments | | | Overdraft/Revolving Loans | Open-end Revolving | Prime plus 7.25%* | $3500 | $35 | Adjusts quarterly based on Prime Rate as published in the Wall Street Journal.
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Consolidation/Personal LoansRates effective July 1, 2022 Account Type | Type | APR | | | Debt Consolidation/Personal Loans | Closed-end | 12.9%* |  |  |
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Credit Building LoansRates effective July 1, 2022 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 | Maximum Term | Comments | | | Share Variable | 2.5% over dividend rate* | 60 mos* | Ask a Member Service Representative for details. *Not to exceed certificate maturity date.
|  |  | | Credit And Savings Builder | 2.50% | 24 mos | $3,000 |  |  | | Certificate | 2.5% over dividend rate* | Ask a Member Service Representative for details.
|  |  | *Annual Percentage Rate. NHFCU may lend to members only and all loans are subject to credit requirements. Rates and terms subject to change without notice. Open-end/Overdraft Loans: Monthly adjustable rate based on the Prime Rate in the Wall Street Journal as published on the first of each month.
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VISAŽ 25 Day Fixed Grace*Rates effective January 1, 2013 Account Type | APR | Maximum Loan Amount | Minimum Payment | Total Finance Charge | Total Payments | | | VISA Credit Card | 12.9%* | $20,000 | 2% of outstanding balance or $10 per $1,000 | Revolving Account | Revolving Account |  |  |
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Recreational Vehicles - New & UsedYour Money. Your Fun.
NADA Guides for Motorcycle, ATV/UTV, Snowmobile, RV and Marine.
2014 - Current Model YearRates effective July 1, 2022 Account Type | APR | Maximum Loan Amount | | | as low as | 4.99%* | 100% NADA Retail |  |  | *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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Energy Efficiency & Assistance LoansAre you looking to upgrade your home heating/cooling systems or appliances for energy efficiency? Are you looking for assistance with unanticipated expenses related to your home heating or utility bills? Talk to us about our latest service designed to assist you with saving money - on the home front as well as on the loan front. Visit the following websites to learn more about how to create a more energy efficient home and receive coupons and discounts: Rates effective July 1, 2022 APR | Maximum Term | Maximum Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | 6.90% | 48 mos | $2,000 | $23.90 for $1,000/48 months | $147.33 for $1,000 | $1,147.33 for $1,000 | Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $2,000.
|  |  | All loans are subject to credit requirements and NHFCU may lend to members only. Rates and terms are subject to change without notice. Maximum loan amount and other conditions may affect the maximum term of the loan.
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Certificates, IRA Certificates, Savings & Money MarketYou'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.
Certificate RatesRates effective June 28, 2022 Account Type | APY | Dividend Rate | Minimum Balance | | | 6 months | 0.30% | 0.30% | $500.00 |  | | | 12 months | 0.40% | 0.40% | $500.00 |  | | | 18 months | 0.40% | 0.40% | $500.00 |  | | | 24 months | 0.45% | 0.45% | $500.00 |  | | | 36 months | 0.55% | 0.55% | $500.00 |  | | | 48 months | 0.65% | 0.65% | $500.00 |  | | | 60 months | 0.65% | 0.65% | $500.00 |  | | *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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IRA Certificate Rates Rates effective June 28, 2022 Account Type | APY | Dividend Rate | Minimum Balance | | | 12 months | 0.40% | 0.40% | $500.00 |  | | | 24 months | 0.45% | 0.45% | $500.00 |  | | | 36 months | 0.55% | 0.55% | $500.00 |  | | | 48 months | 0.65% | 0.65% | $500.00 |  | | | 60 months | 0.65% | 0.65% | $500.00 |  | | *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 (Savings), Clubs, & IRA Variable RatesRates effective July 1, 2022 Account Type | APY | Dividend Rate | Minimum Balance | | | Shares | .05% | .05% | $5 to open/earn dividends |  | | | Clubs | .05% | .05% | $1.00 to open/no minimum to earn dividends |  | | | IRA Variable | .05% | .05% | $1.00 to open/no minimum to earn dividends |  | | *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 AccountsRates effective July 1, 2022 Account Type | APY | Dividend Rate | Minimum Balance | | | Money Market less than $2,500 | .05% | .05% | < $2,500 |  | | | Money Market $2,500 | .10% | .10% | $2,500 |  | | | Money Market $25,000 | .15% | .15% | $25,000 |  | | | Money Market $50,000 | .20% | .20% | $50,000 |  | | | Money Market $100,000 | .25% | .25% | $100,000 |  | | 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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