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Rates
Mortgages - Jumbo rates are as low as regular rates!
Home Equity Line of Credit 1.99% APR*
Home Equity Loans
First Step Loan - Down Payment/Credit Builder
Personal Loans
New & Used Autos
Recreational Vehicles
Energy Efficiency & Assistance Loans
Certificates, IRA Certificates, Savings & Money Market
Visa Credit Cards
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Rates


Mortgages - Jumbo rates are as low as regular rates!

Call our Mortgage Department for current rates and more details! In the market for a home in the next few years?  Ask about our First Step Loan - where you'll improve your credit score while you are saving for your home.

Your Life. Your Home.

NHFCU - Includes Jumbo Loan Rates

Rates effective May 12, 2022
  Account Type  Rate  Points  APR  Monthly Payment
30 yr Fixed Rate5.250%No Points5.339%**$552.20 per $100,000Calculator 
20 yr Fixed Rate5.000%No Points5.120%**$659.96 per $100,000Calculator 
15 yr Fixed Rate4.750%No Points4.901%**$777.83 per $100,000Calculator 
10 yr Fixed Rate4.625%No Points5.054%**$1,042.42 per $100,000Calculator 
**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 1.99% APR*

  • No closing costs
  • No annual fee
  • No application fee
  • Just access to the equity in your home!

HELOC Special 1.99% APR - Fixed for 12 months!

Rates effective April 15, 2022
  Account Type  Rate  APR  Minimum Balance  Loan Amount  Maximum Loan Amount
12 Months Fixed - 1.99% APR*1.99%1.99%*$10,000 minimum credit line, but, no minimum balance required.$10,00080% Combined Loan-to-Value (CLTV)Calculator 
*HELOC discounted rate of 1.99% 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 5/5/2022 is 4.00% 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 1.99% for the first 12 billing cycles will result in 12 interest only payments of $16.36.  After the promotional period,
  if you took a single $10,000 advance and the annual percentage rate were 4.000%, 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 $32.88, followed by 120 monthly payments of $101.26 during the repayment period.
To be eligible for a no closing cost promotion with a discounted rate of 1.99% APR (fixed for the first 12 months), your maximum CLTV must be based on your home’s tax assessed value.  Costs paid by the lender would average $500-$700. If the HELOC is terminated within 36 months of establishment, the borrower will be obligated to reimburse costs paid on their behalf. 

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 04/15/2022 and all rates, terms, and conditions are subject to change or be discontinued without notice.   
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Home Equity Loans

Choose the home equity loan that works for you:
  • Special Available April 15, 2022:  1.99% 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.  

Home Equity Line of Credit

Rates effective May 4, 2022
  Account Type  Rate  APR  Minimum Balance  Maximum Loan Amount  Minimum Payment
Home Equity Line of Credit - Adjustable Rate4.00%4.00%* $10,000 minimum credit line, but, you are not required to carry a balance.up to 80% Combined Loan-to-Value**Calculator 

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Fixed Home Equity

Rates effective May 1, 2022
  Account Type  Rate  APR  Maximum Term  Minimum Balance  Monthly Payment  Total Finance Charge  Total Payments
Fixed Rate As Low As ***4.000%4.516%*120 months$10,000$101.26$2,150.75$12,150.75Calculator 
*Annual Percentage Rate.
**HELOCs: The APR can change monthly based on the value of an index, the highest "Prime Rate" as published in the Wall Street Journal on the first day of each calendar month. The maximum APR that can be applied is 18% or the maximum permitted by law. Monthly minimum payment is the interest due during the draw period. The “draw” period is the initial 10-year period followed with a “repayment” period of 10-years.  During the repayment period monthly payments of interest and principal will be due. Example:  If you took a single $10,000 advance and the ANNUAL PERCENTAGE RATE were 4.000%, 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 $32.88, followed by 120 monthly payments of $101.26 during the repayment period.
Prime Rate as of May 4, 2022, is 4.000% .      

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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First Step Loan - Down Payment/Credit Builder

First Step Down Payment/Credit Builder

Rates effective May 1, 2022
Improve your credit score while you save for your down payment with this unique loan.  This will translate to a qualifying for a better, money-saving rate when you buy your home.
  Account Type  Term  Rate  APR  Maximum Loan Amount  Monthly Payment  Total Finance Charge  Total Payments
First Step - Down Payment & Credit Builder Loanup to 60 months5.99%5.99%$10,000$193.30$1,598$11,598CalculatorApply Now
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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Personal Loans

Open-end Overdraft Loans (unsecured)

Rates effective May 4, 2022
  Account Type  Type  APR
Overdraft/Revolving LoansOpen-end RevolvingPrime plus 7.25%*CalculatorApply Now

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Consolidation/Personal Loans

Rates effective May 1, 2022
  Account Type  Type  APR  Comments
Debt Consolidation/Personal LoansClosed-end12.9%*$60 non-refundable application fee.
CalculatorApply Now

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Credit Building Loans

Rates effective May 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  Comments
Share Variable2.5% over dividend rate*Ask a Member Service Representative for details.
CalculatorApply Now
Credit And Savings Builder0%*$45 non-refundable application fee.
CalculatorApply Now
Certificate2.5% over dividend rate*Ask a Member Service Representative for details.
CalculatorApply Now
*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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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 May 1, 2022
  Account Type  Term  APR  Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
2020 to Current model year - Up to 60 Monthsup to 60 months2.69%*$1,000$17.83$69.88$1,069.88 Miles/condition will affect the term of the loan.  
CalculatorApply Now
2020 to current model year - Up to 72 MonthsUp to 72 months3.69%*$1,000$15.50$116.31$1,116.31Miles/condition will affect the term of the loan.  
CalculatorApply Now
2014 -2019 model yearUp to 60 months2.89%*$1,000$17.92$75.19$1,075.19Miles/condition will affect the term of the loan.
CalculatorApply Now
Any Year, 90K + miles up to 60 monthsup to 60 months8.69%*$1,000$20.61$236.49$1,236.49        
CalculatorApply Now
First-Time Auto Buyer up to 60 months9.99%$1,000$1,000$21.24$274.53$1,274.53No credit or limited credit borrowers.
Calculator 
Any Year, 90K + miles up to 48 monthsUp to 48 months7.69%*$1,000$24.27$164.85$1,164.85   
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. 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 May 1, 2022
  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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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 May 1, 2022
  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$735.97$5,735.97Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $5,000. 
CalculatorApply Now
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 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 May 11, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
6 months0.30%0.30%$500.00Calculator 
12 months0.40%0.40%$500.00Calculator 
18 months0.40%0.40%$500.00Calculator 
24 months0.45%0.45%$500.00Calculator 
36 months0.55%0.55%$500.00Calculator 
48 months0.65%0.65%$500.00Calculator 
60 months0.65%0.65%$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.
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IRA Certificate Rates

Rates effective May 11, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
12 months0.40%0.40%$500.00Calculator 
24 months0.45%0.45%$500.00Calculator 
36 months0.55%0.55%$500.00Calculator 
48 months0.65%0.65%$500.00Calculator 
60 months0.65%0.65%$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.
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Share (Savings), Clubs, & IRA Variable Rates

Rates effective May 1, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
Shares.05%.05%$5 to open/earn dividendsCalculator 
Clubs.05%.05%$1.00 to open/no minimum to earn dividendsCalculator 
IRA Variable.05%.05%$1.00 to open/no minimum to earn dividendsCalculator 
*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 May 1, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
Money Market less than $2,500.05%.05%< $2,500Calculator 
Money Market $2,500.10%.10%$2,500Calculator 
Money Market $25,000.15%.15%$25,000Calculator 
Money Market $50,000.20%.20%$50,000Calculator 
Money Market $100,000.25%.25%$100,000Calculator 
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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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 January 1, 2022
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 Disclosures
  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.
*12.9% APR through December 31, 2022.
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NMLS#: 440568
Routing#: 211489083
©2020 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 03861
(603) 224-7731
(800) 639-4039
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