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Rates
Mortgages - Jumbo rates are as low as regular rates!
Energy Efficiency & Assistance Loans
First Step Loan - Down Payment/Credit Builder
Personal Loans
Home Equity - No Upfront Costs!
New & Used Autos
Recreational Vehicles
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.

Servicing Retained* at NHFCU - Includes Jumbo Loan Rates

Rates effective July 26, 2021
  Account Type  Rate  Points  APR  Monthly Payment
30 yr Fixed Rate2.750%No Points2.827%**$408.24 per $100,000 Calculator 
20 yr Fixed Rate2.625%No Points2.734%**$536.01 per $100,000Calculator 
15 yr Fixed Rate2.250%No Points2.391%**$655.08 per $100,000Calculator 
10 yr Fixed Rate2.125%No Points2.331%**$925.74 per $100,000Calculator 
*Servicing refers to collection of principal, interest, and escrow payments, if any, as well as handling of other aspects of the mortgage loan. If transfer of rights occurs, you will be given advance notice. Please contact our Mortgage Department for inquiries that are > 70% loan to value.
**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 $548,250 ($724,500 in Rockingham & Strafford Counties). Jumbo minimum loan amount is $548,251 ($724,501 in Rockingham & Strafford Counties).
NHFCU may lend to members only. Click here or call today to find out how to join. For more information on rates and other available options, please contact our Mortgage Department at (603)224-7731, extension 506.
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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 July 1, 2021
  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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First Step Loan - Down Payment/Credit Builder

First Step Down Payment/Credit Builder

Rates effective July 1, 2021
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$11,598 Apply 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 July 1, 2021
  Account Type  Type  APR  Comments
Overdraft/Revolving LoansOpen-end* RevolvingPrime plus 7.25%$99 Annual Fee.
CalculatorApply Now

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Credit Building Loans

Rates effective July 1, 2021
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.
CalculatorApply Now
Credit And Savings Builder0%$45 non-refundable application fee.
CalculatorApply Now
Certificate2.5% over dividend rateAsk a Member Service Representative for details.
CalculatorApply Now
*Annual Percentage Rate.  $45 non-refundable application fee.
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Closed-End Unsecured/Signature Loans

Rates effective July 1, 2021
  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.
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Home Equity - No Upfront Costs!

  • No upfront costs to apply
  • Lender Credit of $220 at closing**
  • Save up to another $450 MORE! if you financed within the last 18 months w/NHFCU and we use your existing appraisal.
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

Fixed Home Equity: when your mortgage is with us

Rates effective July 1, 2021
  Account Type  Rate  APR  Maximum Term  Minimum Balance  Monthly Payment  Total Finance Charge  Total Payments
Fixed Rate As Low As3.250%3.434%*120 months$25,000$244.30$4,315.62$29,315.62Calculator 

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Fixed Home Equity: when your mortgage is elsewhere

Rates effective July 1, 2021
  Account Type  Rate  APR  Maximum Term  Minimum Balance  Monthly Payment  Total Finance Charge  Total Payments
Fixed rate as low as3.850%4.036%*120 months$25,000$251.33$5,160.28$30,160.28Calculator 
*Annual Percentage Rate (APR) includes charges to process your loan. Other rates and terms may be available. Rates are subject to change without notice.  Minimum amount is $25,000. Maximum loan amount is based on 75% CLTV (combined loan-to-value) if your mortgage is with NHFCU or if first lien position, or 70% CLTV (combined loan-to-value) if NHFCU does not hold your 1st mortgage.
**A lender credit of $220 will be given toward costs at the time your Fixed Home Equity Loan closes. Early termination fee applies if loan is paid-in-full within 36 months, not to exceed the credit given at time of origination. Inquire within on use of existing appraisal, restrictions apply. Property insurance is required. Flood insurance is required if property is located in a flood zone.  All loans are subject to credit requirements. NHFCU may lend to members only
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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!

Balance Transfer & Auto Refi Combo

Rates effective July 19, 2021
Click here to apply now!  Saving money is a safe bet with NHFCU. But, when you have debt, it can be frustrating and more challenging to save, even when you have good intentions to do so. What if you could get some help paying down your debt so you can start saving? Let us help you. We’ll take those credit and store charge card balances – or any other “unsecured” loan balances.
 
We guarantee you will pay those debts down faster and save money in the long term. When you do this, we’ll up the ante by offering you 0% APR on an auto loan refinance!*
 
Extended through July 31, 2021. Complete our application or, call our lending department today at (603) 224‑7731, ext. 500.
  Account Type  APR  Maximum Term  Comments
Auto Refi w/Debt Consolidation Combo0%60 monthsSee personal loans or disclosure for debt consolidation rates.
Calculator 
*Annual Percentage Rate (APR) of 0.00% is a discounted rate based on the loan closing in conjunction
with a $10,000 unsecured/consolidation loan (minimum) at 12.9% Annual Percentage Rate. If the consolidation/unsecured loan is discontinued/paid-in-full on or before 36-months, your auto loan rate will
increase to 5.25% APR. Limit: One auto loan at 0% APR per member and autos already financed
with NHFCU are not eligible for this offer. No application fees.
 
All loans are subject to credit and collateral requirements and final approval.
Terms and conditions apply. Limited time offer. Rates, terms, and conditions are subject to change. 

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Purchases or Refinances

Rates effective July 1, 2021
  Account Type  Term  APR  Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
2019 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
2019 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 -2018 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
All Other Model Years 60 months2.99%*$1,000$17.96$77.85$1,077.85Miles/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
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 July 1, 2021
  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, 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 July 22, 2021
  Account Type  APY  Dividend Rate  Minimum Balance
6 months0.30%0.30%$500.00  
12 months0.40%0.40%$500.00  
18 months0.40%0.40%$500.00  
24 months0.45%0.45%$500.00  
36 months0.55%0.55%$500.00  
48 months0.65%0.65%$500.00  
60 months0.65%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 July 22, 2021
  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 July 1, 2021
  Account Type  APY  Dividend Rate  Minimum Balance
Shares.05%.05%$25 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 Accounts

Rates effective July 1, 2021
  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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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, 2021
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, 2021.
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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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