Rates

Mortgages - Jumbo rates are as low as regular rates!

Servicing Retained* at NHFCU - Includes Jumbo Loan Rates

Account Type	Rate	Points	APR	Monthly Payment
30 yr Fixed Rate	2.875%	No Points	2.953%**	$414.89 per $100,000
20 yr Fixed Rate	2.750%	No Points	2.860%**	$542.17 per $100,000
15 yr Fixed Rate	2.250%	No Points	2.391%**	$655.08 per $100,000
10 yr Fixed Rate	2.125%	No Points	2.331%**	$925.74 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.  Return to top

Energy Efficiency & Assistance Loans

• NH Saves
• Energy Star Do It Yourself Projects

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.   Return to top

Personal Loans

Credit Building Loans

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.  Return to top

Closed-End Unsecured/Signature Loans

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.  Return to top

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.

Fixed Home Equity: when your mortgage is with us

Account Type	Rate	APR	Maximum Term	Minimum Balance	Monthly Payment	Total Finance Charge	Total Payments
Fixed Rate As Low As	3.250%	3.434%*	120 months	$25,000	$244.30	$4,315.62	$29,315.62
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Fixed Home Equity: when your mortgage is elsewhere

Account Type	Rate	APR	Maximum Term	Minimum Balance	Monthly Payment	Total Finance Charge	Total Payments
Fixed rate as low as	3.850%	4.036%*	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  Return to top

New & Used Autos

Purchases or Refinances

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.
All Other Model Years	60 months	2.99%*	$1,000	$17.96	$77.85	$1,077.85	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.  Return to top

Recreational Vehicles

Snowmobiles, Motorcycles, Boats, Campers & More

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.   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%	$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.   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

Visa Credit Cards

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.  Return to top