Rates
Home Loans/MortgagesAre you in the market for a new home? For a limited time NHFCU is offering $1,500 toward closing costs. Apply between March 1 and May 31, 2018. Contact us to apply today at mortgage@nhfcu.org. Please include your name, a contact number and best time to reach you. You may also phone a lending representative at (603) 224-7731 ext. 506. Minimum loan amount $100,000. Purchases or refinances are eligible for this offer. However, the offer is not available for homes already financed through NHFCU. A $1,500 lender credit is applied at closing. Your mortgage application must be “in-process” between March 1 and May 31, 2018 and close by July 31, 2018. If the loan is withdrawn or cancels for any reason, all fees associated with the application will be the responsibility of the borrower(s). If the loan is paid in full within thirty-six (36) months from the date of funding, the borrower(s) will be required to reimburse NHFCU for the total amount of the credit.
Your Life. Your Home.
Purchases & Refinances - ConventionalRates effective April 26, 2018| Account Type | Rate | Points | APR | Monthly Payment | | | | 30 yr Fixed Rate | 4.625% | No Points | 4.711%* | $514.14 per $100,000 |  | | | | 20 yr Fixed Rate | 4.500% | No Points | 4.617%* | $632.65 per $100,000 | | | | | 15 yr Fixed Rate | 4.125% | No Points | 4.273%* | $745.97 per $100,000 | | | | | 10 yr Fixed Rate | 4.000% | No Points | 4.213%* | $1,012.45 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 $453,100. NHFCU may lend to members only. Visit nhfcu.org/howtojoin or call today to find out if you are eligible for membership. For more information on rate and other loan options, please contact our Mortgage Department at 603-224-7731 ext. 506 or mortgage@nhfcu.org.
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Purchases & Refinances - Jumbo LoanRates effective April 26, 2018
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 $453,100 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 | 4.625% | No Points | 4.711%* | $453,100 + | $514.14 per $100,000 | | | | | 15 yr Jumbo Fixed Rate | 4.125% | No Points | 4.273%* | $453,100 + | $745.97 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 posted rate.
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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 April 1, 2018
Receive discounts and rewards by shopping with your VISA card. Click here to find out more! IMPORTANT CREDIT CARD DISCLOSURES The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of February 28, 2015. You can contact us toll free at (800) 639-4039 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES
| | | | Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers | 12.90% | | | | | How to Avoid Paying Interest on Purchases | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. | | For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
FEES: | Fees to Open or Maintain Your Account: |
None
None | | Transfer Fees: |
None
None
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 | | Penalty Fees: |
Up to $25.00 if your payment is more than 21 days late
None
Up to $25.00 if your payment is returned for any reason
Up to $5.00 if your ATM transaction is declined for any reason | | | *Annual Percentage Rate. NHFCU may lend to members only. All loan are subject to credit requirements. Contact us for membership eligibility.
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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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| Personal/Debt ConsolidationCredit Building LoansRates effective April 1, 2018
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 April 1, 2018| 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.
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Open-end Overdraft Loans (unsecured)Rates effective April 1, 2018| Account Type | Type | APR | Monthly Payment | | | | Overdraft/Revolving Loans | Open-end* Revolving | Prime plus 7.25% | $4.16/$100.00 (Min $35.00) | | | *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 April 1, 2018| 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 75% 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 -All Model YearsRates effective April 1, 2018| Account Type | Term | APR | Loan Amount | Monthly Payment | Total Finance Charge | Comments | | | | 2015 or Newer | up to 48 months | 2.25% | $1,000 | $21.81 | $46.71 |
| | | | | 2015 or newer | 49-60 months | 2.50% | $1,000 | $17.75 | $64.91 |
| | | | | All Other Model Years | up to 60 months | 3.50% | $1,000 | $18.20 | $91.62 | Auto less than 90,000 miles.
| | | | | First-Time Auto Buyer | up to 60 months | 6.99% or 7.99% | $1,000 | $19.81 | $187.97 | APR based on amount financed.
| | | | | Any Year, 90K + miles | up to 60 months | 7.99% | $1,000 | $20.28 | $216.56 |
| | | *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.
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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 April 1, 2018| 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 & SavingsYou'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.
IRA and Certificate RatesRates effective April 25, 2018| Account Type | APY | Dividend Rate | Minimum Balance | | | | 3 months | .45% | .45% | $500.00 | | | | | 6 months | .50% | .50% | $500.00 | | | | | 12 months | .75% | .75% | $500.00 | | | | | 18 months | .85% | .85% | $500.00 | | | | | 24 months | 1.20% | 1.19% | $500.00 | | | | | 30 months | 1.40% | 1.39% | $500.00 | | | | | 36 months | 1.55% | 1.54% | $500.00 | | | | | 42 months | 1.65% | 1.64% | $500.00 | | | | | 48 months | 2.00% | 1.98% | $500.00 | | | | | 60 months | 2.20% | 2.18% | $500.00 | | | | | IRA Variable | .20% | .20% | $1.00 | | | *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 RatesRates effective April 1, 2018| Account Type | APY | Dividend Rate | Minimum Balance | | | | Shares | .05% | .05% | $25 to open/earn dividends | | | | | Clubs | .05% | .05% | $.01 or more | | | *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 April 1, 2018| APY | APR | Minimum Balance | | | | .15% | .15% | < $2,500 | | | | | .15% | .15% | $2,500 | | | | | .20% | .20% | $25,000 | | | | | .20% | .20% | $50,000 | | | No minimum balance required to open the account. 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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