Rates

Mortgage Rates

Purchases & Refinances - Conventional

Account Type	Rate	Points	APR	Monthly Payment
30 yr Fixed Rate	3.875%	No Points	3.957%*	$470.24 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	3.000%	No Points	3.209%*	$965.61 per $100,000
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Purchases & Refinances - Jumbo Loan

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	3.625%	No Points	3.771%*	$484,350 +	$721.04 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.  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	$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.   Return to top

Personal/Debt Consolidation

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

Open-end Overdraft Loans (unsecured)

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.     Return to top

Home Equity Loans

Home Equity (First Lien)

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.  Return to top

New & Used Autos

Purchases or Refinances

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.  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	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.  Return to top

IRA Certificate Rates

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.  Return to top

Share (Savings), Clubs, & IRA Variable Rates

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.   Return to top

Money Market Share Accounts

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.   Return to top

Visa Credit Cards

Visa Credit Card Fee Dislosures

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.

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