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Rates
Personal/Debt Consolidation2018 Everything LoanRates effective November 1, 2018
Available for a limited time...holidays...property taxes...fuel prepays...back-to-school...winterizing your home...We are again offering a short-term personal loan of up to $2,000 to help you manage additional expenses. | Account Type | Term | APR | Maximum Loan Amount | Comments | | | | 2018 Everything Loan | 12 months | 9.5% | $2,000 | The $45 application fee for your Everything Loan will be refunded under any of the following conditions within 60 days of receiving your loan:
- You open a NEW debit card with NHFCU
- You open a NEW checking account with NHFCU
- You enroll in e-Statements and/or e-Branch
- You attend a Center for Finance & Education class
|  |  | Annual Percentage Rate. NHFCU may lend to members only. Rates & terms subject to change without notice. All loans are subject to credit requirements.
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Credit Building LoansRates effective November 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 November 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 November 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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