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Rates
Personal/Debt ConsolidationCredit Building LoansRates effective January 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 December 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 January 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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