Personal Loans
Personal Loans
Fixed Term Loans & Personal Loans
Meet 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. Personal/Consolidation Loans: Your rate and amount(s) financed are determined by your personal credit history.
If you are looking to borrow money for a special item or project, get fast answers and money-saving rates with our personal loans.
Energy Efficiency & Assistance Loans
Are you looking to upgrade your home heating/cooling systems or appliances for energy efficiency? Are you looking for assistance with unanticipated expenses related to your home heating or utility bills? Talk to us about our latest service designed to assist you with saving money – on the home front as well as on the loan front.
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
Consolidation/Personal Loans
When you know what you want and what you need but, just need a boost to make it happen - turn to us. We are here to get you where you see yourself, with the funds you need to help you on your way.
Rates effective July 1, 2025.
Estimated Payment: A $1,000 loan at 9.29% APR for 36 months results in a monthly payment of $32, with total finance charges of $150, for total payments of $1,150.
Loans secured by savings or certificate (commonly referred to as CDs)
Have you been able to save money, but prefer to let it continue earning dividends? This is the lowest-cost personal loan - just borrow against your own funds! Rates effective July 1, 2025.
| Account Type | Type | Maximum Term | APR* | Apply | |
|---|---|---|---|---|---|
| Savings or certificate secured personal loan | Closed-end | 60 months | 2.5% Above dividend rate being earned on secured account | APPLY |
Estimated Payment: A $1,000 loan at 2.55% APR for 60 months results in a monthly payment of $18, with total finance charges of $65, for total payments of $1,065. The rate used in this example is based on money secured in a .05% APY savings account.
Energy Efficiency & Assistance Loans
Are you looking to install a new heating or cooling system or purchasing energy-efficient appliances in your home? Do you need assistance with unanticipated expenses related to your home heating or utility bills? Or maybe you want to install new windows, doors or insulation? Talk to us about our Energy Assistance and Efficiency loans. Here are some other sites to visit for savings:
Energy Efficiency & Assistance Loans
Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $5,000. Rates effective July 1, 2025.
- 100% of loan must be used for the purchase of Energy Efficient Products
- Installation costs can be included
Estimated Payment example: a $1,000 for 36 months at 8.79% APR* will result in a monthly payment of $32 with a total finance charge of $141 for total monthly payments of $1,141.
*Annual Percentage Rate. Rates & terms are subject to change without notice. Your rate and amounts financed are determined by your personal credit history. All loans are subject to credit approval; other terms and conditions may apply. NHFCU may lend to members only.
Maximum loan amount and other conditions may affect the maximum term of the loan.
Credit Builder Loan
Credit Builder Loan
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.
Rates effective July 1, 2025.
| Account Type | APR* | Comments | Apply | |
|---|---|---|---|---|
| Credit Builder Loan | 7.99%* | All proceeds deposited to a separate savings account until the loan is paid in full. | APPLY |
Estimated Payment: A $1,000 loan at 7.99% APR for 24 months results in a monthly payment of $45, with total finance charges of $85, for total payments of $1,085.
*Annual Percentage Rate. Payment examples are approximate. NHFCU may lend to members only and all loans are subject to credit requirements. Rates and terms subject to change without notice.
