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Rates
Mortgage Rates
Your Life. Your Home.
Purchases & Refinances - ConventionalRates effective July 19, 2019
Rates and terms available for conventional financing. | Account Type | Rate | Points | APR | Monthly Payment | | | | 30 yr Fixed Rate | 3.750% | No Points | 3.832%* | $463.12 per $100,000 |  | | | | 20 yr Fixed Rate | 3.625% | No Points | 3.739%* | $586.40 per $100,000 | | | | | 15 yr Fixed Rate | 3.125% | No Points | 3.269%* | $696.61 per $100,000 | | | | | 10 yr Fixed Rate | 2.875% | No Points | 3.084%* | $959.85 per $100,000 | | |
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Purchases & Refinances - Jumbo LoanRates effective July 19, 2019
A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae. Jumbo mortgages are defined by a loan amount greater than $484,350 and are available on primary residences only. Jumbo mortgage loans fall outside of the typical guidelines that refer to “conforming loans”. See a representative for more details.| Account Type | Rate | Points | APR | Loan Amount | Monthly Payment | | | | 30 yr Jumbo Fixed Rate | 4.000% | No Points | 4.083%* | $484,350 + | $477.42 per $100,000 | | | | | 15 yr Jumbo Fixed Rate | 3.500% | No Points | 3.646%* | $484,350 + | $714.88 per $100,000 | | | *Annual Percentage Rate (APR) is accurate as of the date shown. No rate is guaranteed. 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 mortgages are subject to credit approval. NHFCU may lend to members only. Maximum conventional loan amount is $484,350. NHFCU may lend to members only. Visit nhfcu.org/howtojoin or call today to find out if you are eligible for membership.
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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 July 1, 2019| 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 | $147.19 | $1,147.90 | 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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Personal/Debt ConsolidationCredit Building LoansRates effective July 1, 2019
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 July 1, 2019| 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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Open-end Overdraft Loans (unsecured)Rates effective July 1, 2019| Account Type | Type | APR | | | | Overdraft/Revolving Loans | Open-end* Revolving | Prime plus 7.25% | | | *Annual Percentage Rate. There is a $99 annual fee for revolving/overdraft loans. Revolving loans and overdraft loans are adjustable-rate loans. Rates are adjusted quarterly based on the Prime Rate as published in the Wall Street Journal. All loans are subject to credit requirements. NHFCU may lend to members only.
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Home Equity LoansYou choose the home equity loan to suit your needs. If you are looking to consolidate debt, pay off another home equity line-of-credit, or want a one-time advance, then our fixed-rate home equity loan will be right for you. 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
Home Equity (First Lien)Rates effective July 1, 2019| Account Type | Term | Rate | APR | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | Fixed Rate As Low As | 60 Months | 3.750% | 4.676%* | $10,000 | $183.06 | $983.02 | $10,983.02 | First lien position. Other rates and terms available. Contact us for complete information at mortgage@nhfcu.org
| | | * Annual Percentage Rate (APR). Rate listed is an “as low as” rate. Rate is based on a 1st lien position. Inquire within for other terms and rates. Minimum loan amount is $10,000. Maximum loan amount is based on 70% loan-to-value for 1st lien. Closing costs may vary. Property insurance is required. All loans are subject to credit requirements. Rates and terms are subject to change without notice. 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.
Purchases or RefinancesRates effective July 1, 2019| Account Type | Term | APR | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | As low as 2.00% 2017 and newer | up to 60 months | 2.00%** | $1,000 | $17.53 | $51.67 | $1,051.67 | Autos less than 90K miles.
| | | | | As low as 2.25% for 2014-2016 | Up to 60 months | 2.25%** | $1,000 | $17.64 | $58.24 | $1,058.24 | Autos less than 90K miles.
| | | | | All Other Model Years as low as 2.50% | Up to 60 months | 2.50%** | $1,000 | $17.75 | $64.84 | $1,064.84 | Autos less than 90K miles.
| | | | | All Other Model Years Up to 72 Months | 61-72 months | 7.49%** | $1,000 | $17.29 | $244.54 | $1,244.54 | Auto less than 90,000 miles.
| | | | | First-Time Auto Buyer | up to 60 months | 9.99% | $1,000 | $21.24 | $274.53 | $1,274.53 | No credit or limited credit borrowers.
| | | *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. 72 month financing available. NHFCU may lend to members only.
**Rates include .50% discount,which is available when the auto loan is combined with a new consolidation loan of $5,000 or more.
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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 July 1, 2019| 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 July 17, 2019| Account Type | APY | Dividend Rate | Minimum Balance | | | | 6 months | 1.80% | 1.79% | $500.00 | | | | | 12 months | 2.10% | 2.08% | $500.00 | | | | | 18 months | 2.25% | 2.23% | $500.00 | | | | | 24 months | 1.50% | 1.49% | $500.00 | | | | | 36 months | 1.80% | 1.79% | $500.00 | | | | | 48 months | 2.25% | 2.23% | $500.00 | | | | | 60 months | 2.50% | 2.48% | $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 17, 2019| Account Type | APY | Dividend Rate | Minimum Balance | | | | 12 months | 2.10% | 2.08% | $500.00 | | | | | 24 months | 1.50% | 1.49% | $500.00 | | | | | 36 months | 1.80% | 1.79% | $500.00 | | | | | 48 months | 2.25% | 2.23% | $500.00 | | | | | 60 months | 2.50% | 2.48% | $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 July 1, 2019| Account Type | APY | Dividend Rate | Minimum Balance | | | | Shares | .10% | .10% | $25 to open/earn dividends | | | | | Clubs | .10% | .10% | $.01 or more | | | | | IRA Variable | .20% | .20% | $1.00 | | | *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 July 1, 2019| Account Type | APY | Dividend Rate | Minimum Balance | | | | Money Market less than $2,500 | .15% | .15% | < $2,500 | | | | | Money Market $2,500 | .20% | .20% | $2,500 | | | | | Money Market $25,000 | .25% | .25% | $25,000 | | | | | Money Market $50,000 | .30% | .30% | $50,000 | | | | | Money Market $100,000 | .35% | .35% | $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 July 1, 2019
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 Dislosures |
| 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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