NHFCU Logo
Rates | Apply Now | News | Calculators | Fraud & Security
Home Services Mortgage Center for Finance & Education Your Money 24/7 Join NHFCU Contact Us
Rates
Mortgage Rates
Energy Efficiency & Assistance Loans
Personal/Debt Consolidation
Home Equity Loans
New & Used Autos
Recreational Vehicles
Certificates, IRA Certificates, Savings & Money Market
Visa Credit Cards
TELL A FRIEND
PRINT THIS PAGE

Rates


Mortgage Rates



Your Life. Your Home.
  

Purchases & Refinances - Conventional

Rates effective June 14, 2019
Rates and terms available for conventional financing. 
  Account Type  Rate  Points  APR  Monthly Payment
30 yr Fixed Rate3.875%No Points3.957%*$470.24 per $100,000 Calculator 
20 yr Fixed Rate3.625%No Points3.739%*$586.40 per $100,000Calculator 
15 yr Fixed Rate3.125%No Points3.269%*$696.61 per $100,000Calculator 
10 yr Fixed Rate3.000%No Points3.209%*$965.61 per $100,000Calculator 

return to top Return to top


Purchases & Refinances - Jumbo Loan

Rates effective June 14, 2019
A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae.  Jumbo mortgages are defined by a loan amount greater than $484,350 and are available on primary residences only.  Jumbo mortgage loans fall outside of the typical guidelines that refer to “conforming loans”.  See a representative for more details.
  Account Type  Rate  Points  APR  Loan Amount  Monthly Payment
30 yr Jumbo Fixed Rate4.000%No Points4.083%*$484,350 +$477.42 per $100,000Calculator 
15 yr Jumbo Fixed Rate3.625%No Points3.771%*$484,350 +$721.04 per $100,000Calculator 
*Annual Percentage Rate (APR) is accurate as of the date shown.  No rate is guaranteed.  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 mortgages are subject to credit approval. NHFCU may lend to members only.  Maximum conventional loan amount is $484,350.   NHFCU may lend to members only. Visit nhfcu.org/howtojoin or call today to find out if you are eligible for membership.
return to top Return to top


Energy Efficiency & Assistance Loans

Are 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 June 1, 2019
  APR  Maximum Term  Minimum Balance  Maximum Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
6.90%48 months$250$5,000$23.90 for $1,000/48 months$147.19$1,147.90Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $5,000.   
Calculator 
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. 
return to top Return to top


Personal/Debt Consolidation

Credit Building Loans

Rates effective June 1, 2019
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.
Calculator 
Credit And Savings Builder0%$45 non-refundable application fee.
CalculatorApply Now
Certificate2.5% over dividend rateAsk a Member Service Representative for details.
Calculator 
*Annual Percentage Rate.  $45 non-refundable application fee.
return to top Return to top


Closed-End Unsecured/Signature Loans

Rates effective June 1, 2019
  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.  Rates and terms are subject to change without notice.
return to top Return to top


Open-end Overdraft Loans (unsecured)

Rates effective June 1, 2019
  Account Type  Type  APR
Overdraft/Revolving LoansOpen-end* RevolvingPrime plus 7.25%CalculatorApply 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.   
return to top Return to top


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.   NH Federal Credit Union is an Equal Housing Lender. Contact us for more available rates and terms today at 603-224-7731 ext. 506 or email us at mortgage@nhfcu.org

Home Equity (First Lien)

Rates effective June 1, 2019
  Account Type  Term  Rate  APR  Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
Fixed Rate As Low As60 Months3.750%4.676%*$10,000$183.06$983.02$10,983.02First lien position. Other rates and terms available. Contact us for complete information at mortgage@nhfcu.org
Calculator 
* Annual Percentage Rate (APR). Rate listed is an “as low as” rate. Rate is based on a 1st lien position. Inquire within for other terms and rates. Minimum loan amount is $10,000. Maximum loan amount is based on 70% loan-to-value for 1st lien. Closing costs may vary. Property insurance is required. All loans are subject to credit requirements. Rates and terms are subject to change without notice. NHFCU may lend to members only.
return to top Return to top


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 or Refinances

Rates effective June 1, 2019
  Account Type  Term  APR  Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
As low as 2.00% 2017 and newerup to 60 months2.00%**$1,000$17.53$51.67$1,051.67    Autos less than 90K miles.
CalculatorApply Now
As low as 2.25% for 2014-2016Up to 60 months2.25%**$1,000$17.64$58.24$1,058.24 Autos less than 90K miles.      
CalculatorApply Now
All Other Model Years as low as 2.50%Up to 60 months2.50%**$1,000$17.75$64.84$1,064.84  Autos less than 90K miles.
CalculatorApply Now
All Other Model Years Up to 72 Months61-72 months7.49%**$1,000$17.29$244.54$1,244.54 Auto less than 90,000 miles.        
CalculatorApply Now
First-Time Auto Buyer up to 60 months9.99%$1,000$21.24$274.53$1,274.53No credit or limited credit borrowers.
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 vehicles 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.
**Rates include .50% discount,which is available when the auto loan is combined with a new consolidation loan of $5,000 or more.
return to top Return to top


Recreational Vehicles

Your Money.  Your Fun.

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

Snowmobiles, Motorcycles, Boats, Campers & More

Rates effective June 1, 2019
  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. 
return to top Return to top


Certificates, IRA Certificates, Savings & Money Market

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. 

Certificate Rates

Rates effective June 12, 2019
  Account Type  APY  Dividend Rate  Minimum Balance
6 months1.80%1.79%$500.00  
12 months2.10%2.08%$500.00  
18 months2.25%2.23%$500.00  
24 months1.50%1.49%$500.00  
36 months1.80%1.79%$500.00  
48 months2.25%2.23%$500.00  
60 months2.50%2.48%$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.
return to top Return to top


IRA Certificate Rates

Rates effective June 12, 2019
  Account Type  APY  Dividend Rate  Minimum Balance
12 months2.10%2.08%$500.00  
24 months1.50%1.49%$500.00  
36 months1.80%1.79%$500.00Calculator 
48 months2.25%2.23%$500.00Calculator 
60 months2.50%2.48%$500.00Calculator 
*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.
return to top Return to top


Share (Savings), Clubs, & IRA Variable Rates

Rates effective June 1, 2019
  Account Type  APY  Dividend Rate  Minimum Balance
Shares.10%.10%$25 to open/earn dividends  
Clubs.10%.10%$.01 or more  
IRA Variable.20%.20%$1.00  
*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. 
return to top Return to top


Money Market Share Accounts

Rates effective June 1, 2019
  Account Type  APY  Dividend Rate  Minimum Balance
Money Market less than $2,500.15%.15%< $2,500  
Money Market $2,500.20%.20%$2,500  
Money Market $25,000.25%.25%$25,000  
Money Market $50,000.30%.30%$50,000  
Money Market $100,000.35%.35%$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. 
return to top Return to top


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 June 1, 2019
Click here to view important credit card disclosures. Receive discounts and rewards by shopping with your VISA card. Click here to find out more! 
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.

return to top Return to top


Sign Up to Receive Emails from New Hampshire Federal Credit Union:    
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
Site Map | Careers | Privacy Policy | Publications | Disclosures | Contact Us
Some documents on this website are in PDF format and may requre a PDF reader, you can download Adobe Reader here. For additional accessibility you can also download assistive technology plugins and software here. More about website accessibility. After Hours Report Lost/Stolen VISA Credit Cards: In U.S. (800) 991-4961 Outside U.S. (410) 581-3836 (collect)
After Hours Report Lost/StolenVISA Debit Cards: In U.S. (800) 472-3272 Outside U.S. (410) 581-9994 (collect)