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	5.250%	No Points	5.339%**	$552.20 per $100,000
20 yr Fixed Rate	5.000%	No Points	5.120%**	$659.96 per $100,000
15 yr Fixed Rate	4.750%	No Points	4.901%**	$777.83 per $100,000
10 yr Fixed Rate	4.625%	No Points	5.054%**	$1,042.42 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 1.99% APR*

• No closing costs
• No annual fee
• No application fee
• Just access to the equity in your home!

HELOC Special 1.99% APR - Fixed for 12 months!

Account Type	Rate	APR	Minimum Balance	Loan Amount	Maximum Loan Amount
12 Months Fixed - 1.99% APR*	1.99%	1.99%*	$10,000 minimum credit line, but, no minimum balance required.	$10,000	80% Combined Loan-to-Value (CLTV)
*HELOC discounted rate of 1.99% 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 5/5/2022 is 4.00% 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 1.99% for the first 12 billing cycles will result in 12 interest only payments of $16.36.  After the promotional period,  if you took a single $10,000 advance and the annual percentage rate were 4.000%, 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 $32.88, followed by 120 monthly payments of $101.26 during the repayment period. To be eligible for a no closing cost promotion with a discounted rate of 1.99% APR (fixed for the first 12 months), your maximum CLTV must be based on your home’s tax assessed value.  Costs paid by the lender would average $500-$700. If the HELOC is terminated within 36 months of establishment, the borrower will be obligated to reimburse costs paid on their behalf.  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 04/15/2022 and all rates, terms, and conditions are subject to change or be discontinued without notice.     Return to top

Home Equity Loans

• Special Available April 15, 2022:  1.99% 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.  

Home Equity Line of Credit

Account Type	Rate	APR	Minimum Balance	Maximum Loan Amount	Minimum Payment
Home Equity Line of Credit - Adjustable Rate	4.00%	4.00%*	$10,000 minimum credit line, but, you are not required to carry a balance.	up to 80% Combined Loan-to-Value	**
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Fixed Home Equity

Account Type	Rate	APR	Maximum Term	Minimum Balance	Monthly Payment	Total Finance Charge	Total Payments
Fixed Rate As Low As ***	4.000%	4.516%*	120 months	$10,000	$101.26	$2,150.75	$12,150.75
*Annual Percentage Rate. **HELOCs: The APR can change monthly based on the value of an index, the highest "Prime Rate" as published in the Wall Street Journal on the first day of each calendar month. The maximum APR that can be applied is 18% or the maximum permitted by law. Monthly minimum payment is the interest due during the draw period. The “draw” period is the initial 10-year period followed with a “repayment” period of 10-years.  During the repayment period monthly payments of interest and principal will be due. Example:  If you took a single $10,000 advance and the ANNUAL PERCENTAGE RATE were 4.000%, 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 $32.88, followed by 120 monthly payments of $101.26 during the repayment period. Prime Rate as of May 4, 2022, is 4.000% .       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

First Step Loan - Down Payment/Credit Builder

First Step Down Payment/Credit Builder

Account Type	Term	Rate	APR	Maximum Loan Amount	Monthly Payment	Total Finance Charge	Total Payments
First Step - Down Payment & Credit Builder Loan	up to 60 months	5.99%	5.99%	$10,000	$193.30	$1,598	$11,598
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

Open-end Overdraft Loans (unsecured)

Account Type	Type	APR
Overdraft/Revolving Loans	Open-end Revolving	Prime plus 7.25%*
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Consolidation/Personal Loans

Account Type	Type	APR	Comments
Debt Consolidation/Personal Loans	Closed-end	12.9%*	$60 non-refundable application fee.
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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.  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

New & Used Autos

Purchases or Refinances

Account Type	Term	APR	Loan Amount	Monthly Payment	Total Finance Charge	Total Payments	Comments
2020 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.
2020 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 -2019 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.
Any Year, 90K + miles up to 60 months	up to 60 months	8.69%*	$1,000	$20.61	$236.49	$1,236.49
First-Time Auto Buyer	up to 60 months	9.99%	$1,000	$1,000	$21.24	$274.53	$1,274.53	No credit or limited credit borrowers.
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

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

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

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, 2022.  Return to top