Rates

Mortgages - Jumbo rates are as low as regular rates!

NHFCU - Includes Jumbo Loan Rates

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).  Return to top

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!

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.     Return to top

Home Equity Loans

• 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 Equity

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.    Return to top

New & Used Vehicles, Purchases & Refis

Model Years 2020 & Newer

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 - 2019

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 2014-2015

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.   Return to top

Personal Loans

Open-end Overdraft Loans (unsecured)

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 Loans

Account Type	Type	APR
Debt Consolidation/Personal Loans	Closed-end	12.9%*
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Credit Building Loans

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.  Return to top

VISAŽ 25 Day Fixed Grace*

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 & Used

2014 - Current Model Year

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.   Return to top

Energy Efficiency & Assistance Loans

• NH Saves
• Energy Star Do It Yourself Projects

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.   Return to top

Certificates, IRA Certificates, Savings & Money Market

Certificate Rates

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.  Return to top

IRA Certificate Rates

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.  Return to top

Share (Savings), Clubs, & IRA Variable Rates

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.    Return to top

Money Market Share Accounts

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.   Return to top