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 RatesRates effective November 24, 2021| Account Type | Rate | Points | APR | Monthly Payment | | | | 30 yr Fixed Rate | 3.125% | No Points | 3.204%** | $428.38 per $100,000 |  | | | | 20 yr Fixed Rate | 2.875% | No Points | 2.985%** | $548.36 per $100,000 | | | | | 15 yr Fixed Rate | 2.500% | No Points | 2.642%** | $666.79 per $100,000 | | | | | 10 yr Fixed Rate | 2.375% | No Points | 2.582%** | $937.03 per $100,000 | | | *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 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 November 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 | $5,735.97 | Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $5,000.
| |  | 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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First Step Loan - Down Payment/Credit BuilderFirst Step Down Payment/Credit BuilderRates effective November 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 Loan | up to 60 months | 5.99% | 5.99% | $10,000 | $193.30 | $1,598 | $11,598 | | | 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 LoansOpen-end Overdraft Loans (unsecured)Rates effective November 1, 2021| Account Type | Type | APR | Comments | | | | Overdraft/Revolving Loans | Open-end* Revolving | Prime plus 7.25% | $99 Annual Fee.
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Credit Building LoansRates effective November 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 Variable | 2.5% over dividend rate | Ask a Member Service Representative for details.
| | | | | Credit And Savings Builder | 0% | $45 non-refundable application fee.
| | | | | Certificate | 2.5% over dividend rate | Ask a Member Service Representative for details.
| | | *Annual Percentage Rate. $45 non-refundable application fee.
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Closed-End Unsecured/Signature LoansRates effective November 1, 2021| Account Type | Type | APR | | | | Debt Consolidation/Personal Loans | Closed-end | 12.9% | | | *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 usRates effective November 1, 2021| Account Type | Rate | APR | Maximum Term | Minimum Balance | Monthly Payment | Total Finance Charge | Total Payments | | | | Fixed Rate As Low As | 3.250% | 3.442%* | 120 months | $25,000 | $244.30 | $4,315.62 | $29,315.62 | | |
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Fixed Home Equity: when your mortgage is elsewhereRates effective November 1, 2021| Account Type | Rate | APR | Maximum Term | Minimum Balance | Monthly Payment | Total Finance Charge | Total Payments | | | | Fixed rate as low as | 3.850% | 4.044%* | 120 months | $25,000 | $251.33 | $5,160.28 | $30,160.28 | | | *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 AutosYou'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.
Auto/Debt Consolidation combo rates as low as 0.80% APR*Rates effective November 1, 2021
It's all about "the eighties" as we celebrate NHFCU's 80th Anniversary! Need to buy a car, truck or even get a personal loan, but are afraid of extra cash outlays before the holidays? You can defer payments for up to 80 days* on auto loans. So, you can apply today - and wait to pay! PLUS, if you combine a debt consolidation loan of $10,000 or more with an auto purchase or refi, your auto rate may be as low as .80% APR*!
| Account Type | APR | Maximum Term | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | 2019 to current model year-Up to 60 months | 0.80% | 60 months | $1,000.00 | $17.01 | $20.46 | $1,020.46 | Miles/condition will affect the term of the loan.
| | | | | All other model years | 1.80% | 60 months | $1,000.00 | $17.44 | $46.40 | $1,046.40 | Miles/condition will affect the term of the loan.
| | | *Payment deferrals for auto loans opened between October 1 - December 31, 2021. Annual Percentage Rate. All loans are subject to credit requirements. NHFCU may lend to members only. Special 80th Anniversary on ALL Auto Loans. Limit one per member. First payment may be deferred for up to 80 days on any/all model years and is dependent upon when the loan closes and repayment type. Interest will continue to accrue during the deferral period and will be collected with the first loan payment. All payments will be applied to finance charges, late charges, collection costs, any other charges and to the principal. Anniversary rates and deferred payment will not be available for >90K miles, 72-month financing, refinances of existing NHFCU auto loans, or first-time auto buyer program. If the consolidation/unsecured loan is discontinued/paid-in-full prior to 36 months, then the .80%/1.80% APR will increase to the current posted rates.
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Purchases or RefinancesRates effective November 1, 2021| Account Type | Term | APR | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | 2019 to Current model year - Up to 60 Months | up to 60 months | 2.69%* | $1,000 | $17.83 | $69.88 | $1,069.88 | Miles/condition will affect the term of the loan.
| | | | | 2019 to current model year - Up to 72 Months | Up to 72 months | 3.69%* | $1,000 | $15.50 | $116.31 | $1,116.31 | Miles/condition will affect the term of the loan.
| | | | | 2014 -2018 model year | Up to 60 months | 2.89%* | $1,000 | $17.92 | $75.19 | $1,075.19 | Miles/condition will affect the term of the loan.
| | | | | Any Year, 90K + miles up to 60 months | up to 60 months | 8.69%* | $1,000 | $20.61 | $236.49 | $1,236.49 |
| | | | | Any Year, 90K + miles up to 48 months | Up to 48 months | 7.69%* | $1,000 | $24.27 | $164.85 | $1,164.85 |
| | | *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 VehiclesYour Money. Your Fun.
NADA Guides for Motorcycle, ATV/UTV, Snowmobile, RV and Marine.
Snowmobiles, Motorcycles, Boats, Campers & MoreRates effective November 1, 2021| Account Type | APR | | | | Purchases/Refinances | as low as 4.99%* | | | *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 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 November 24, 2021| 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 November 24, 2021| 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 November 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 AccountsRates effective November 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 CardsWe 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!
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| Visa Credit Card Fee Disclosures |
| Fee Type |
Fee |
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| Annual Fee |
None |
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| Application Fee |
None |
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| Balance Transfer |
None |
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| Cash Advance |
None |
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| 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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*12.9% APR through December 31, 2021.
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