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Home Equity Loans

Choose the home equity loan that works for you:
  • 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

Rates effective May 4, 2022
  Account Type  Rate  APR  Minimum Balance  Maximum Loan Amount  Minimum Payment
Home Equity Line of Credit - Adjustable Rate4.00%4.00%* $10,000 minimum credit line, but, you are not required to carry a balance.up to 80% Combined Loan-to-Value**Calculator 

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Fixed Home Equity

Rates effective May 1, 2022
  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$12,150.75Calculator 
*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.

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Concord NH 03301
(603) 224-7731
(800) 639-4039
47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
71 Calef Highway
Lee, NH 03861
(603) 224-7731
(800) 639-4039
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