# NHFCU – Capital Area’s Favorite Credit Union
> savings accounts, checking accounts, money markets, car loans and home equity loans
> Generated by All in One SEO Pro v5.0.3, this is an llms-full.txt file, used by LLMs to index the site.
## Posts
### [News](https://nhfcu.org/news/)
**Published:** December 22, 2021
**Author:** NHFCU Staff
---
### [NHFCU Recognized as Veteran-Friendly Business](https://nhfcu.org/nhfcu-recognized-as-veteran-friendly-business-2/)
**Published:** October 13, 2026
**Author:** NHFCU Staff
**Content:**
###### New Hampshire Federal Credit Union has been recognized as a NH Veteran-Friendly Business!
###### We are excited to receive this designation alongside such impressive businesses that have given clear attention to how Service members, Veterans and their families in New Hampshire are honored, encouraged and empowered, and lives are changed for the better.
**Categories:** News
---
### [Celebrating Our Cappies 1st Place Win](https://nhfcu.org/celebrating-our-cappies-1st-place-win/)
**Published:** July 31, 2026
**Author:** NHFCU Staff
**Content:**
Thank you to our loyal and supportive members for, once again, voting us the Best Credit Union in the Capital Area for 2026. Being the reigning champ is always a huge honor.
[](https://nhfcu.org/wp-content/uploads/2026/07/First-Place-Cappies-Logo.jpg)
**Categories:** News
---
### [Don’t want to bank online?](https://nhfcu.org/dont-want-to-bank-online/)
**Published:** July 31, 2026
**Author:** NHFCU Staff
**Content:**
Use NHFCU’s DirectLine, a FREE 24/7 telephone transaction service: 1-888-782-0560
• Check balances
• Review transaction history
• Transfer funds
Set up your DirectLine Account: Call us at (603) 224-7731 option 5
We will activate your DirectLine account and provide you a security PIN.
How it works:
Call NHFCU’s DirectLine at: 1-888-782-0560
You will choose from one of four options:
\[1\] Quick Check – an overview of your accounts and balances.
\[2\] Account Information – balances, histories, etc.
\[3\] Perform Transaction Activity – transfers.
\[4\] Member Service.
**Categories:** News
---
### [Donation to RMS Music Program](https://nhfcu.org/donation-to-rms-music-program/)
**Published:** June 15, 2026
**Author:** NHFCU Staff
**Content:**
We stopped by Rundlett Middle School in Concord this week to present the music program with a donation. In attendance for the photo op were Principal Jay Richard (right), Annie Lombard (left), members of the music department (not photographed) as well as some of the students who play in the RMS band and RMS’s after school Rock Band program. The kids were excited to hear the fund will help with equipment they need to keep on Rockin’. Go Blue Dukes!
[](https://nhfcu.org/wp-content/uploads/2026/06/IMG_0343.jpeg)
**Categories:** News
---
### [NHFCU Scholarship Winners](https://nhfcu.org/nhfcu-scholarship-winners/)
**Published:** June 15, 2026
**Author:** NHFCU Staff
**Content:**
We awarded seven students in this year’s John R. Young Career Development Scholarship program. One of the greatest aspects of this program is its availability to students at every level of their post-high school educational pursuits. We are impressed and thrilled at the variety of careers these winners are pursuing along with their amazing qualities and talents. This year’s winners include: A PhD Candidate in Grad School, a law student finishing grad school, and candidates pursuing secondary education toward endeavors in the dental, political science, business, and teaching and coaching fields. Congratulations to all our winners!
[](https://nhfcu.org/nhfcu-scholarship-winners/cameron-pigeon/)
[](https://nhfcu.org/nhfcu-scholarship-winners/tommy-weaver-26/)
[](https://nhfcu.org/nhfcu-scholarship-winners/deems-brant/)
[](https://nhfcu.org/nhfcu-scholarship-winners/alexia-prodanis-26/)
[](https://nhfcu.org/nhfcu-scholarship-winners/alex-turant-26/)
[](https://nhfcu.org/nhfcu-scholarship-winners/alex-otterson-26/)
[](https://nhfcu.org/nhfcu-scholarship-winners/maria-wilkinson-26/)
**Categories:** News
---
### [Annual Meeting Results](https://nhfcu.org/annual-meeting-results/)
**Published:** May 26, 2026
**Author:** NHFCU Staff
**Content:**
Our Annual Meeting was held Wednesday, April 22nd. Long-time Board Chair Jim Fredyma presided over his 16th and final Annual Meeting as Chair as he steps back from the Chairman’s role to allow it to pass on to another. We are thrilled Jim will continue as a valued member of the Board and thank him for his many years as Chair helping to guide the Credit Union in our mission.
We welcome the 2026 Officers and Board of Directors!
Heather E. Brown – Chair
Scott Morris, Sr. – Vice Chair
Avis L. Crane – Treasurer
George C. Gendron, Jr. – Secretary
John T. D’Aquila
James P. Fredyma
Brent A. Hawkins
Munish Nanda
Mark A. Rivet
**Categories:** News
---
### [Employee of the Quarter - Q1](https://nhfcu.org/employee-of-the-quarter-q1/)
**Published:** May 26, 2026
**Author:** NHFCU Staff
**Content:**
Huge congratulations to Chris Carter, our Q1 Employee of the Quarter! Chris has been a great help behind the scenes, setting up workflows to make our daily operations smoother and handling tricky system updates. From sorting out regular Information Technologies (IT) glitches to building custom data reports, Chris keeps our systems running reliably every day.
Chris has a great attitude, especially when unexpected technical issues pop up and need fixing right away. We can always count on Chris to step in and help out without missing a beat. Thanks for all your hard work, Chris— we appreciate everything you do!
[](https://nhfcu.org/wp-content/uploads/2026/05/Chris-Carter-IMG_0246.jpeg)
**Categories:** News
---
### [Vote for the Capital Area’s Favorite Credit Union](https://nhfcu.org/vote-for-the-capital-areas-favorite-credit-union/)
**Published:** May 6, 2026
**Author:** NHFCU Staff
**Content:**
For the last 17 years, we have had the honor of being the Capital Area’s Favorite Credit Union. We wear the title with pride and we have our many members to thank. Once again, the Cappies are taking place, with two rounds of voting over the next month and a half. Round one started May 1st and we hope that you will be gracious enough to take the time to vote for us. As always, we are here to serve all your banking needs.
[Cappies 2026 – The Concord Insider](https://clicktime.cloud.postoffice.net/clicktime.php?U=https://www.theconcordinsider.com/cappies-2026/%23/gallery/539027545/&E=cindy.phillips%40nhfcu.org&X=XID457EeFRtj3367Xd1&T=NHFC&HV=U,E,X,T&H=3096745489c043684aafb7c331331acd1824c4eb)
**Categories:** News
---
### [Car Shopping via NHFCU.org](https://nhfcu.org/car-shopping-via-nhfcu-org/)
**Published:** April 21, 2026
**Author:** NHFCU Staff
**Content:**
Your Smart Choice for Stress-Free Car Buying – SEARCH, SHOP, FINANCE
Experience a stress-free car shopping process from pre-approved funding to getting the keys in your hand.
[Click Here to Get Started.](https://nhfcu.cudlautosmart.com/)
**Categories:** News
---
### [Battle of the Badges Fun](https://nhfcu.org/battle-of-the-badges-fun/)
**Published:** April 13, 2026
**Author:** NHFCU Staff
**Content:**
We all had a wonderful time supporting this year’s Battle of the Badges.
[](https://nhfcu.org/battle-of-the-badges-fun/attachment/4576785008468338422/)
[](https://nhfcu.org/battle-of-the-badges-fun/attachment/6156681688228800438/)
[](https://nhfcu.org/battle-of-the-badges-fun/img_0141/)
[](https://nhfcu.org/battle-of-the-badges-fun/img_0156/)
[](https://nhfcu.org/battle-of-the-badges-fun/police-score-2026/)
[](https://nhfcu.org/battle-of-the-badges-fun/police-celebrate-2026/)
[](https://nhfcu.org/battle-of-the-badges-fun/attachment/947293524245290101/)
[](https://nhfcu.org/battle-of-the-badges-fun/attachment/4349231781267973062/)
**Categories:** News
---
### [2025 Tax Forms](https://nhfcu.org/2025-tax-forms/)
**Published:** March 18, 2026
**Author:** NHFCU Staff
**Content:**
TAX INFO:
– Paper copies of 1099 INT and 1098 were mailed out in the month of January.
– You receive a 1099 INT if you earned $10 or more in interest for 2025.
– You are not able to view your tax forms on the Mobile app.
– You are able to view your tax documents in online banking using a web browser and the steps below.
**NHFCU *e-branch***
1. Sign into online banking.
2. On the NHFCU Mobile App tax forms are located under “Quick Links” >>> “Statements & Documents”
3. On a web browser tax forms are located under “Services” >>> “Online Statements”
4. Keep in mind, you will only receive a 1099 INT if you have earned $10 or more in interest for 2025. You will only receive a 1098 form if you have a mortgage, home equity loan or HELOC with us.
**Categories:** News
---
### [Battle of the Badges Ticket Winners](https://nhfcu.org/battle-of-the-badges-ticket-winners/)
**Published:** March 13, 2026
**Author:** NHFCU Staff
**Content:**
Join us Sunday, March 15th at the SNHU Arena for Battle of the Badges to support the kids and families of Dartmouth Health Children’s. Battle of the Badges is an exciting day of hockey as firefighters, police officers and first responders from across the State of New Hampshire battle it out in one incredible competition. Proceeds for this event help kids with critical assistance when in pediatric intensive care and/or managing chronic illnesses. Support services for children and their families are also included.
Congratulations to our Battle of the Badges Ticket Winners: Carrie K., Debbie O. & Tracy A.
[](https://nhfcu.org/wp-content/uploads/2026/03/battle-of-the-badges-square-3.15.26.jpg)
**Categories:** News
---
### [2026 NHFCU Board Nominees](https://nhfcu.org/2026-nhfcu-board-nominees/)
**Published:** March 5, 2026
**Author:** NHFCU Staff
**Content:**
This year, NHFCU’s Nominating Committee has recommended four nominees for Board positions. Each nominee’s term length is listed below.
**Heather E. Brown** has been a member of NH Federal since 2015 and currently serves as the Vice Chair for the Board. She is a Senior Sales Counselor at Havenwood Heritage Heights, a not-for-profit, accredited Continuing Care Retirement Community in Concord, NH. For the past 16 years she has been responsible for counseling and informing people about residency options and guiding them through the decision-making process. Previously Ms. Brown worked as Director of Community Relations at The Birches at Concord. She has more than 25 years of business experience.
Ms. Brown graduated from Elmira College with a Bachelor of Science degree and a dual major of Criminal Justice and Psychology. (Term, 3-year)
**John T. D’Aquila** joined the New Hampshire Federal Credit Union Board in 2025. He is a CPA and a recently retired Accounting and Finance professional with 39 years of diverse corporate experience with Ernst & Young in Hartford, CT; Raytheon Technologies Corporation in North Berwick, ME; The Timberland Company in Stratham, NH; and Watts Water Technologies in North Andover, MA (and Franklin, NH). He graduated from the University of CT with a Bachelor of Science in Business/Accounting and has lived in York, Maine, with his wife and three children for the past 29 years.
He has served on multiple Town Boards in York as well as a Corporate Board member of a Watts Water Technologies subsidiary. In retirement, he focuses on volunteer activities with not-for-profit organizations including SCORE, AARP Tax Aide, York School system, and the York Food Pantry. (Term, 3-year)
**George C. Gendron, Jr.** has been a member of NH Federal Credit Union since 1997. He currently serves as Secretary for the Board of Directors, volunteers as a 401K Trustee for our employees and serves on other NHFCU committees, including the Governance Committee. George became the Administrator for X-Ray Professional Association and Concord Imaging Center in 2019 after working in Finance at Concord Hospital for over 20 years.
George began his career in finance/accounting in the early 90s after graduating from Bryant College in Rhode Island with a bachelor’s in business administration. Fulfilling his educational pursuits in the late 90s, George graduated from Simmons College in Boston with a master’s in health care administration. (Term, 3-year)
**Mark A. Rivet** is a member of New Hampshire Federal Credit Union and current member of the Board. Born and raised in Merrimack, Mark has owned the Rivet Funeral Home, which his parents started in 1962, since his father’s death in 1993. In 1995, Mark started the Merrimack Cremation Service, growing it to one of the largest cremation services in New England.
Mark served on the former Merrimack Emergency Management Committee and served many years on the Last Rest Cemetery Board of Directors, including several years as the superintendent of the cemetery.
Mark received his degree in Funeral Service from New England Institute of Applied Arts & Sciences in Boston. (Term, 2-year)
**Categories:** News
---
### [NHFCU Annual Meeting](https://nhfcu.org/nhfcu-annual-meeting/)
**Published:** March 5, 2026
**Author:** NHFCU Staff
**Content:**
Mark your calendars. Our Annual Meeting is scheduled for April 22nd at 5:15pm. At 70 Airport Road in the lobby, standing room only.
Please RSVP to [marketing@nhfcu.org.](mailto:marketing@nhfcu.org)
Stay tuned for details and this year’s nominees.
**Categories:** News
---
### [Lend a Helping Can](https://nhfcu.org/lend-a-helping-can/)
**Published:** March 5, 2026
**Author:** NHFCU Staff
**Content:**
In January NH Federal Credit Union partnered with Greg & The Morning Buzz and iHeartRadio to sponsor Lend a Helping Can. This year’s funds raised totaled over $361,000 to support local families in need. Congratulations to everyone involved for making our community a better place.
**Categories:** News
---
### [NHFCU Jeans for Charity](https://nhfcu.org/nhfcu-jeans-for-charity/)
**Published:** March 5, 2026
**Author:** NHFCU Staff
**Content:**
Each Friday NHFCU employees are allowed to wear jeans in the office in exchange for a $5 donation. Over the past 6 months we were able to raise over $1,200. This month we made donations to the Pope Memorial SPCA and the Friendly Kitchen. Each organization received a check for $687.50.
NHFCU employees’ “Jeans Day” donations have raised $6,186 since April of 2022.
**Categories:** News
---
### [The John R. Young Career Enhancement Scholarship Program](https://nhfcu.org/scholarship/)
**Published:** February 6, 2026
**Author:** NHFCU Staff
**Content:**
Are you looking for a little extra help with your school expenses? NHFCU wants to help you with a scholarship opportunity! The John R. Young Career Enhancement Scholarship Program is available to adult learners and high school seniors for the 2026 program year.
NH Federal Credit Union and its Centers for Finance & Education will award scholarships to high school seniors and/or adults working part-time or full-time who wish to enhance their careers through accredited colleges or required licensing programs. Eligibility includes NHFCU employees, members or eligible members.
**Submission requirements:**
- Applicants must be 18 years old or over and either: a) a member or eligible member of New Hampshire Federal Credit Union, or b) a current employee of NHFCU.
All applications must be received by Monday, April 6, 2026, and include the following:
- Completed application.
- 1 Letter of recommendation from any of the following: your current or past employer, an organization you volunteer with, or a current or former teacher, coach, or mentor.
- Resume or school transcript. Include awards, volunteer participation, and other relevant activities.
- Verification of your enrollment in or acceptance in a trade school, accredited college, or recognized professional licensing program.
- An essay with a minimum of 300 words, responding to the following prompt: *Describe how you found your passion for your career and how you believe this pursuit will make a positive difference in your community and in your life.*
*Incomplete applications without all required information will be disqualified.*
**Scholarship winners will be notified by the end of May 2026.**
[JRY Scholarship application – 2026](https://nhfcu.org/wp-content/uploads/2025/01/JRY-Scholarship-application-2026.pdf)
**Categories:** News
---
### [Employee of the Quarter, Brittani Fournier](https://nhfcu.org/employee-of-the-quarter-brittani-fournier/)
**Published:** February 6, 2026
**Author:** NHFCU Staff
**Content:**
A huge congratulations to Brittani Fournier, our newest Employee of the Quarter! Brittani stood out this quarter for her incredible problem-solving skills and tenacity. When our team hit a roadblock, she stepped up to find a way forward, working hand-in-hand with our IT department to fix a problem we were told couldn’t be solved. Her hard work is a win for everyone—especially our members and front-line employees who benefit from this fix every day. We are so proud of your effort and determination, Brittani!
[](https://nhfcu.org/wp-content/uploads/2026/02/brittani-Feb-2026-sq.jpg)Brittani
**Categories:** News
---
### [UPGRADE - NHFCU's e-branch, Your Everywhere Branch](https://nhfcu.org/upgrade-nhfcus-e-branch-your-everywhere-branch/)
**Published:** February 6, 2026
**Author:** NHFCU Staff
**Content:**
In March we are upgrading *e-branch*, your everywhere branch. Throughout 2026, this upgrade will deliver new and improved features and functionality for your mobile and desktop experience.
**Upgrade Date: March 17, 2026**
What this means: *e-branch*, both mobile and desktop, will be unavailable from midday on March 16th through midday on March 17th.
**Access to *e-branch***
What you will need to do on or after March 17:
Follow the instructions on our website log in screen at nhfcu.org.
**How to Prepare:**
Be sure you KNOW your logon ID/user name. Without it, you will not be able to reset your password and access *e-branch*. Update your email and contact information in e-branch now. Stay tuned for additional details and answers to frequently asked questions.
**Categories:** News
---
### [Benefits of Using Your Debit Card](https://nhfcu.org/benefits-of-using-your-debit-card/)
**Published:** December 19, 2025
**Author:** NHFCU Staff
**Content:**
Using a debit card is a smart move for direct money management and convenience, all while actively avoiding debt and interest!
Why You’ll Love Using a Debit Card:
- You Avoid Debt: Because you spend only what you have in your checking account, you simply can’t rack up debt or pay steep interest charges.
- You Enjoy Convenience: Use your card almost everywhere online and in stores. You also get easy 24/7 access to your cash via ATMs.
- You Master Your Budget: You see transactions leave your account in real-time, helping you effortlessly track spending and stay on top of your budget through your banking app.
- You Stay Secure: Modern features like chip technology, your personal PIN, and bank fraud protection actively keep your money safe.
- You Need No Credit Check: Just open a bank account, and you’re good to go! No credit history required.
Ultimately, you take charge of your finances by using your own money, building excellent habits and confidence.
**Categories:** News
---
### [Supporting Our Heroes This Holiday Season](https://nhfcu.org/supporting-our-heroes-this-holiday-season/)
**Published:** December 19, 2025
**Author:** NHFCU Staff
**Content:**
NHFCU remains deeply grateful to our veterans and military families for the sacrifices they make to protect our freedom. To show our appreciation this season, we are providing critical support to local programs. We made two key donations this week:
- The Salvation Army – Concord: We hosted Joel from the Salvation Army to personally deliver a donation for their local social services programs.
- National Guard Assistance: We sent our final donation of the season to active members of the National Guard, providing them with grocery gift cards to help during the holidays.
**How You Can Help**
If you would like to join us in giving back, please visit the organizations below to see how you can contribute:
- [The Salvation Army Concord](https://nne.salvationarmy.org/concord/): Support local social services, food pantries, and holiday giving programs.
**Categories:** News
---
### [Proudly Supporting Veterans and Military Families](https://nhfcu.org/proudly-supporting-veterans-and-military-families/)
**Published:** December 15, 2025
**Author:** NHFCU Staff
**Content:**
NHFCU is always grateful to our veterans and military families for the sacrifices they make to deliver freedom for all of us. To thank them for their service this holiday season, we are delivering critical support to several area programs. Last week we dropped off donations at Liberty House in Manchester and The Manchester VA Medical Center. Both organizations were grateful for the donation and let us know they are looking for volunteers. If you are interested in volunteering, please contact them directly.
Liberty House in Manchester
[Volunteer – Liberty House](https://libertyhousenh.org/get-involved/volunteer/)
[Donating Material Goods – Liberty House](https://libertyhousenh.org/get-involved/donating-material-goods/)
The Manchester VA Medical Center
[Volunteer Or Donate \| VA Manchester Health Care \| Veterans Affairs](https://www.va.gov/manchester-health-care/work-with-us/volunteer-or-donate/#become-a-volunteer)
[](https://nhfcu.org/proudly-supporting-veterans-and-military-families/2025-va-donation/)
[](https://nhfcu.org/proudly-supporting-veterans-and-military-families/2025-liberty-house-donation/)
**Categories:** News
---
### [Santa for Seniors](https://nhfcu.org/santa-for-seniors/)
**Published:** December 1, 2025
**Author:** NHFCU Staff
**Content:**
NHFCU continues our Santa for Seniors gift gathering efforts again this year! We have a tree in our lobby where employees and members can deliver goods that Santa will deliver to area nursing homes on December 5. And yes, Santa REALLY does make the deliveries to the facilities each year. If you would like to contribute, please drop your gift to us by the close of business on December 4. Here are some of the items most requested by our local senior facilities:
Donation Ideas
- Fluffy Socks
- Socks
- Blankets
- Calendars
- Coloring Books
- Coloring supplies
- Mittens/scarves/hats
**Categories:** News
---
### [Santa's Coming to NHFCU](https://nhfcu.org/santas-coming-to-nhfcu/)
**Published:** December 1, 2025
**Author:** NHFCU Staff
**Content:**
Please join us on Friday, December 5th,
from 2:00pm-4:00pm.
Visit with Santa! Take FREE photos and enjoy hot cocoa, candy canes, ChapStick, and kids’ activities. All are welcome.
[](https://nhfcu.org/wp-content/uploads/2025/01/Kim-20241213_155651-e1737751956665.jpg)
**Categories:** News
---
### [NHFCU’s Thanksgiving Gift Card Basket Raffle](https://nhfcu.org/nhfcus-thanksgiving-gift-card-basket-raffle/)
**Published:** November 7, 2025
**Author:** NHFCU Staff
**Content:**
NHFCU’s Thanksgiving Basket Raffle is BACK with a twist! This year our basket will provide winners with gift cards to purchase all their Thanksgiving Dinner items as well as some scratch tickets for fun. $150 value of local gift cards and scratch tickets.
- $1 gets 1 raffle entry ticket
- $5 gets 6 raffle entry tickets
- $10 gets 15 raffle entry tickets
Raffle starts Mon 11/03 and runs through Fri 11/21.
Raffle proceeds will be donated to the NH Food Bank.
[](https://nhfcu.org/wp-content/uploads/2025/11/Cornucopia-Raffle-1.png)
**Categories:** News
---
### [Member Appreciation 11/7](https://nhfcu.org/member-appreciation-11-7/)
**Published:** November 6, 2025
**Author:** NHFCU Staff
**Content:**
Please join us on Friday, November 7th, from 2:00pm-4:00pm for Fall delights.
We will be serving warm Apple Cider and Apple Cider Donuts from Concord’s own favorite Carter Hill Orchard. Stop by, say hi and enjoy a fall treat on us!
[](https://nhfcu.org/wp-content/uploads/2025/11/carter-hill-donuts.jpg)
**Categories:** News
---
### [Employee of the Quarter – Q3](https://nhfcu.org/employee-of-the-quarter-q3/)
**Published:** November 6, 2025
**Author:** NHFCU Staff
**Content:**
Lisa Nadeau – Loan Underwriting/Servicing Manager
We want to recognize Lisa for her outstanding performance and adaptability. She has done an amazing job of mastering new responsibilities and ensuring daily operations run smoothly. Lisa has consistently delivered exceptional results, risen above every challenge, and been instrumental to the success of her department.
Congratulations, Lisa!
[](https://nhfcu.org/wp-content/uploads/2025/11/lisa-N-2025-e1762443903352.jpg)
**Categories:** News
---
### [Employee of the Quarter – Q2](https://nhfcu.org/employee-of-the-quarter-q2/)
**Published:** November 6, 2025
**Author:** NHFCU Staff
**Content:**
Karen Murphy – Financial Services Representative
Karen’s nomination is well-deserved for her confidence and compassion during our system upgrade, helping both members and coworkers. She is consistently upbeat and professional, navigating difficult situations with ease.
Congratulations, Karen!
[](https://nhfcu.org/wp-content/uploads/2025/11/Karen-2025-IMG_0032-e1762443701768.jpeg)
**Categories:** News
---
### [Your Funds Are Secure During Government Shutdown](https://nhfcu.org/your-funds-are-secure-during-government-shutdown/)
**Published:** October 22, 2025
**Author:** NHFCU Staff
**Content:**
We understand you may have questions about how a government shutdown could affect your finances. Please be assured that your accounts with us are safe and fully insured by the National Credit Union Administration (NCUA). Because the NCUA is an independent, self-funded agency, its operations are not impacted by a federal government shutdown. This ensures that your deposits and our services continue without interruption. Your financial well-being is our top priority.
**Categories:** News
---
### [Get a Credit Freeze to Stop Identity Thieves](https://nhfcu.org/get-a-credit-freeze-to-stop-identity-thieves/)
**Published:** October 14, 2025
**Author:** NHFCU Staff
**Content:**
*Based on an article by BCP & NHFCU Staff – September 10, 2025*
Did someone steal your identity? Or are you looking for ways to help protect yourself from identity theft? A great place to start is freezing your credit. Here’s what to know.
A credit freeze is something you can do anytime, for any reason. But it’s especially helpful if you’re dealing with [identity theft](https://consumer.ftc.gov/articles/what-know-about-identity-theft) or a [lost wallet or data breach](https://www.identitytheft.gov/Info-Lost-or-Stolen). While a freeze is in place, nobody can open a new credit account in your name.
A freeze
- is free to place or lift — and doesn’t affect your [credit score](https://consumer.ftc.gov/articles/credit-scores)
- is available to anyone, for any reason
- lasts until you lift it
To place a credit freeze, contact all three credit bureaus — [Equifax](https://consumer.ftc.gov/now-leaving?external_url=https%3A%2F%2Fwww.equifax.com%2Fpersonal%2Fcredit-report-services&back_url=https%3A%2F%2Fconsumer.ftc.gov%2Fconsumer-alerts%2F2025%2F09%2Fget-credit-freeze-stop-identity-thieves), [Experian](https://consumer.ftc.gov/now-leaving?external_url=https%3A%2F%2Fwww.experian.com%2Fhelp%2F&back_url=https%3A%2F%2Fconsumer.ftc.gov%2Fconsumer-alerts%2F2025%2F09%2Fget-credit-freeze-stop-identity-thieves), and [TransUnion](https://consumer.ftc.gov/now-leaving?external_url=https%3A%2F%2Fwww.transunion.com%2Fcredit-help&back_url=https%3A%2F%2Fconsumer.ftc.gov%2Fconsumer-alerts%2F2025%2F09%2Fget-credit-freeze-stop-identity-thieves). When you need to lift the freeze — to do things like get a credit card or buy a car — you only need to contact the credit bureau the lender uses to check your credit. When you’re done, you can freeze it again. If you forget that you froze your credit and a lender runs a credit report, they will be notified that the credit is frozen. At that point, you can “thaw” your credit report for the lender to run it and then freeze it again afterward.
Along with a credit freeze, you can also get an initial fraud alert if you are — or suspect you may be — affected by identity theft. Initial fraud alerts (also free) make lenders verify your identity before they grant new credit in your name. There are also two other types of free alerts — extended fraud alerts and active-duty alerts…you choose- the alert depends on your situation and needs. Read [Credit Freeze or Fraud Alert: What’s Right for Your Credit Report?](https://consumer.ftc.gov/articles/credit-freeze-or-fraud-alert-whats-right-your-credit-report) to learn more.
**Categories:** News
---
### [Want to go digital with e-statements?](https://nhfcu.org/want-to-go-digital-with-e-statements/)
**Published:** August 26, 2025
**Author:** NHFCU Staff
**Content:**
**Do you wish we’d stop mailing you monthly paper statements?** It’s possible! Enroll in e-statements & e-notices. It’s really easy, we promise.
- In e-branch click “e-statements” to agree.
- On the NHFCU mobile app, click “MORE”
and then “statements & documents” to agree.
Once signed up for e-statements you will stop receiving paper statements within 1 month. You will then receive a monthly email notification when your e-statement is ready. Login to e-branch or the NHFCU mobile app to view your e-statements. If you’d like, you can download a digital copy. Less paper, more secure.
Log in and sign up today. <https://nhfcu.org/>
Please note: All members receive quarterly paper statements.
**Categories:** News
---
### [Business and government impersonators go after older adults’ life savings](https://nhfcu.org/business-and-government-impersonators-go-after-older-adults-life-savings/)
**Published:** August 26, 2025
**Author:** NHFCU Staff
**Content:**
*by BCP Staff at FTC.gov*
Scammers posing as government agencies or well-known businesses are increasingly going after retirees’ life savings. They weave a web of lies about some bogus crisis. Then they trick older adults into giving them tens or even hundreds of thousands of dollars.
**The scams start with lies designed to create a sense of urgency and fear.**
- Lie #1: Someone is using your accounts. Scammers pretend to be a bank employee with a warning about suspicious account activity. Or claim to be an Amazon rep following up on potentially fraudulent purchases.
- Lie #2: Your information is being used to commit crimes. Scammers might say they’re with the government and tell their target that their Social Security number is linked to serious crimes.
- Lie #3: There’s a security problem with your computer. This lie might start with a computer security alert that warns of a hacked computer with a phone number to call for help.
Once they’ve convinced their mark that this crisis is real, they make empty promises and offer fake “help.” They say the only way to get out of the situation is to follow their very specific instructions — which always involve moving money. They tell their target that doing so will protect the money in their accounts or clear their name. Some say they’re helping catch the “real” criminals.
A new FTC data spotlight report, [False alarm, real scam: how scammers are stealing older adults’ life savings](https://www.ftc.gov/news-events/data-visualizations/data-spotlight), shows that reports of losses to business and government imposters filed by older adults (60+) are soaring. Many reported losing tens and hundreds of thousands of dollars. In fact, reported losses of over $100,000 increased nearly sevenfold from 2020 to 2024.
**How can you protect yourself from a business or government imposter scam?**
- Never transfer or send money to anyone in response to an unexpected call or message. Even if they claim you’re moving your money to “protect it.”
- Talk about it with someone you trust. Especially if the stranger on the phone says it’s serious, involves a crime, or claims to be from the government.
- If you think the message could be real, verify the story. Contact the organization in question using a phone number, website, or email address you know is real. Don’t use the contact information in the unexpected message.
Government agencies will never threaten you, and they’ll never tell you to transfer your money to “protect it,” deposit cash into Bitcoin ATMs, or hand off stacks of cash or gold to a courier. That’s a scam. Report it to the FTC at [ReportFraud.ftc.gov](https://reportfraud.ftc.gov/).
For more advice, check out [How To Avoid Imposter Scams](https://consumer.ftc.gov/features/how-avoid-imposter-scams).
**Categories:** News
---
### [Voted Best Credit Union 17 Years Running](https://nhfcu.org/voted-best-credit-union-17-years-running/)
**Published:** August 11, 2025
**Author:** NHFCU Staff
**Content:**
Thank you to our dedicated members and incredible employees for helping us earn the title of Best Credit Union! We are deeply grateful for every vote we received this year, and for the unwavering support you’ve shown us over the past 17 years. Your commitment motivates our team every single day to provide you with the best service, financial products, and banking experience possible. We are honored to be your trusted financial partner. Thank you for your loyalty—we couldn’t have done it without you!
[](https://nhfcu.org/wp-content/uploads/2025/08/2025-Cappies-Certificates-NHFCU-002.jpg)voted best credit union
**Categories:** News
---
### [CU4 Reality - Financial Education](https://nhfcu.org/cu4-reality/)
**Published:** May 9, 2025
**Author:** NHFCU Staff
**Content:**
Last week our team went down to Hampstead Middle School for CU4 Reality with their 7th graders. All the kids had a blast learning how to build a budget based the income and expenses related to a career of their choosing. For more information on CU4 Reality visit our website: <https://nhfcu.org/centers-for-finance-education/youth/>
[](https://nhfcu.org/wp-content/uploads/2025/05/cu4reality-2025.2.jpg)
[](https://nhfcu.org/wp-content/uploads/2025/05/cu4reality-2025.1.jpg)
**Categories:** News
---
### [Hero Pups Fundraising Event](https://nhfcu.org/hero-pups/)
**Published:** June 18, 2025
**Author:** NHFCU Staff
**Content:**
Our Hero Pups fundraising event was another success. Members and employees enjoyed visiting with the pups – you can see that for yourself in the photos! Many thanks to our members who donated, towels, blankets, paper towels, toys and even cash. These contributions, coupled with NHFCUs supply donations valued more than $750. The reps from Hero Pups and NHFCU’s members and employees look forward to another visit…maybe during the dog days of summer?? Want to make a donation? Visit [Heropups.com](http://Heropups.com)
[](https://nhfcu.org/hero-pups/hero-pups-pup/)
[](https://nhfcu.org/hero-pups/hero-pups-sleeping-pup/)
[](https://nhfcu.org/hero-pups/hero-pups-lisa-n/)
[](https://nhfcu.org/hero-pups/hero-pups-toddler/)
[](https://nhfcu.org/hero-pups/hero-pups-britt/)
[](https://nhfcu.org/hero-pups/hero-pups-kim-s/)
[](https://nhfcu.org/hero-pups/hero-pups-kim-m/)
[](https://nhfcu.org/hero-pups/hero-pups-owner/)
[](https://nhfcu.org/hero-pups/dog-food/)
**Categories:** News
---
### [Help the people affected by flooding in Texas — not a scammer](https://nhfcu.org/help-the-people-affected-by-flooding-in-texas-not-a-scammer/)
**Published:** July 18, 2025
**Author:** NHFCU Staff
**Content:**
In response to the devastating flash flooding in central Texas, many are looking for ways to get and give help. And scammers are looking to prey on people’s generosity. So how can you make sure your donations go to the people who need them and not to a scammer?
**Donate to charities you know and trust with a proven track record of dealing with disasters.**
**Before you give, research the charity yourself** — especially if the donation request comes on social media. Check out the charity on the Better Business Bureau’s Give.org, or [Charity Watch](https://consumer.ftc.gov/now-leaving?external_url=https%3A%2F%2Fwww.charitywatch.org%2F&back_url=https%3A%2F%2Fconsumer.ftc.gov%2Fconsumer-alerts%2F2024%2F10%2Fafter-disaster-make-your-donations-count). Find out exactly how much of your donation will go directly to the people the charity says it helps.
**Don’t donate to anyone who insists you must pay by cash, gift card, wiring money, or cryptocurrency.** That’s how scammers tell you to pay. If you decide to donate, paying by credit card gives you more protections.
**Be cautious about giving to individuals on [crowdfunding](https://consumer.ftc.gov/articles/donating-through-crowdfunding-social-media-and-fundraising-platforms) sites.** Know that money raised in a crowdfunding campaign goes to the campaign organizer, not directly to the people or cause it’s set up to help. Review the platform’s policies — does it take measures to verify postings that ask for help after a disaster? And know that donating via crowdfunding is not tax deductible.
**Confirm the number before you text to donate**. If someone asks you to donate by text, call the number on the charity’s website to confirm you have the right number to donate by text.
To learn more about how to donate safely, go to ftc.gov/charity. For advice to help you prepare for, deal with, and recover from weather emergencies and the scams that follow, check out ftc.gov/weatheremergencies.
Article By BCP Staff at FTC.gov
**Categories:** News
---
### [Still receiving paper statements?](https://nhfcu.org/still-receiving-paper-statements/)
**Published:** August 11, 2025
**Author:** NHFCU Staff
**Content:**
Enroll in e-statements & e-notices NOW. With our system upgrade, everyone who prefers free e-statements needs to accept our updated e-statement and e-notices agreement. Just log in to e-branch and click e-statements to agree. From now through the end of the summer, we will be drawing one winner each week from these enrollments to win $100! We also have some other fun surprises to award. Log in and sign up today. https://nhfcu.org/
**\*Congratulations to July’s $100 winners\***
**Donald H., Lydia C., Ann S., and Karen G.**
**Categories:** News
---
### [Scammy texts offering “refunds” for Amazon purchases](https://nhfcu.org/scammy-texts-offering-refunds-for-amazon-purchases/)
**Published:** August 11, 2025
**Author:** NHFCU Staff
**Content:**
Article by BCP Staff at FTC.gov
Scammers are pretending to be Amazon again. This time, they’re sending texts claiming there’s a problem with something you bought. They offer a refund if you click a link — but it’s a scam. Here’s how the scam works so you can avoid it.
You get an unexpected text that looks like it’s from Amazon. It claims the company did a “routine quality inspection” and an item you recently bought doesn’t meet Amazon’s standards or has been recalled. The text offers you a full refund and says you don’t need to return the item — as long as you click a link to request your money back. But there is no refund. Instead, it’s a [phishing scam](https://consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams) to steal your money or [personal information](https://consumer.ftc.gov/articles/what-know-about-identity-theft).
To avoid a scam like this:
- Don’t click links in unexpected texts — and don’t respond to them. If you think the message could be legit, contact the company using a phone number, email, or website you know is real — not the info from the text.
- Check your Amazon account. If you’re worried, log in through the Amazon website or app — don’t use the link in the text — to see if there’s a problem with or recall on anything you’ve ordered.
- Send unwanted texts to [7726 (SPAM)](https://consumer.ftc.gov/articles/how-recognize-and-report-spam-text-messages#report) or use your phone’s “report junk” option. Once you’ve reported it, delete the message.
Learn more about how to get fewer [spam texts](https://consumer.ftc.gov/articles/how-recognize-and-report-spam-text-messages). And if you spot a scam, tell the FTC at [ReportFraud.ftc.gov](https://reportfraud.ftc.gov/#/).
**Categories:** News
---
### [If you haven't re-enrolled in e-statement since 6/2 here's your chance to WIN $100!](https://nhfcu.org/if-you-havent-re-enrolled-in-e-statement-since-6-2-heres-your-chance-to-win-100/)
**Published:** July 14, 2025
**Author:** NHFCU Staff
**Content:**
Enroll in e-statements & e-notices NOW. With our system upgrade, everyone who prefers free e-statements needs to accept our updated e-statement and e-notices agreement. Just log in to e-branch and click e-statements to agree. From now through the end of the summer, we will be drawing one winner each week from these enrollments to win $100! We also have some other fun surprises to award. Log in and sign up today.
<https://nhfcu.org/>
Congratulations to our June $100 winners: Denise, Leah, Ruth & Benjamin.
We wrapped up June’s winners with NHFCU beach towel giveaways to another four members – congrats to them as well.
**Categories:** News
---
### [NHFCU's John R. Young Scholarship Winners](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/)
**Published:** June 30, 2025
**Author:** NHFCU Staff
**Content:**
This year, NHFCU awarded seven individuals with John R. Young Career Development Scholarships. So far, six of our winners stopped by to receive their awards.
[](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/hannah-panzino-scholarship-winner/)
Hannah Panzino plans to pursue a career as a Dental Hygienist. She will be attending the University of New Haven in Connecticut. [](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/kevin-hennet-scholarship-winner/)
Kevin Hennet plans to pursue career in Cybersecurity and is looking forward to being the first person in his family to attend college in the US. [](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/gabriella-mosto-winner/)
Gabriella Mosto plans to pursue a career in Biomedical Engineering at Tufts University. Her goal is to research and develop different types of vaccines and medicines. [](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/jesalyn-arzu-scholarship-winner/)
Jesalyn Arzu plans to pursue a career as an LNA and will be attending NHTI. [](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/william-morrissette-scholarship/)
William “Wilbur” Morrissette teaches martial arts will be attending the University of Florida in the Spring of 2026. [](https://nhfcu.org/nhfcus-john-r-young-scholarship-winners/maria-wilkinson/)
Maria Wilkinson is a repeat winner of the John R. Young Scholarship. She is a student at Franklin Pierce School of Law. Maria’s goal is to practice law in New Hampshire focusing on “…ensuring that individuals in our community are properly represented in court and that sentencing is fair and just.”
**Categories:** News
---
### [Win some cash and enjoy an e-z, breezy summer.](https://nhfcu.org/win-some-cash-and-enjoy-an-e-z-breezy-summer/)
**Published:** June 30, 2025
**Author:** NHFCU Staff
**Content:**
**Enroll in *e-statements* & *e-notices* NOW.** With our system upgrade, everyone who prefers free *e-statements* needs to accept our updated *e-statement* and *e-notices* agreement. Just log in to *e-branch* and click *e-statements* to agree. From now through the end of the summer, we will be drawing one winner each week from these enrollments to **win $100!** We also have some other fun surprises to award. Log in and sign up today.
**Categories:** News
---
### [NHFCU Recognized as Veteran-Friendly Business](https://nhfcu.org/nhfcu-recognized-as-veteran-friendly-business/)
**Published:** August 18, 2024
**Author:** NHFCU Staff
**Content:**
###### New Hampshire Federal Credit Union has been recognized as a NH Veteran-Friendly Business!
###### We are excited to receive this designation alongside such impressive businesses that have given clear attention to how Service members, Veterans and their families in New Hampshire are honored, encouraged and empowered, and lives are changed for the better.
**Categories:** News
---
### [Free Access to Your Credit Report](https://nhfcu.org/free-access-to-your-credit-report/)
**Published:** June 30, 2025
**Author:** NHFCU Staff
**Content:**
# Free Access to Your Credit Report
*By Colleen Tressler, Division of Consumer and Business Education*
The three national credit reporting agencies — Equifax, Experian, and TransUnion — have permanently extended a program that lets you check your credit report at each of the agencies once a week for free.
Visit [AnnualCreditReport.com](https://consumer.ftc.gov/now-leaving?external_url=https%3A%2F%2Fwww.annualcreditreport.com%2Findex.action&back_url=https%3A%2F%2Fconsumer.ftc.gov%2Fconsumer-alerts%2F2023%2F10%2Fyou-now-have-permanent-access-free-weekly-credit-reports%3Futm_source%3Dgovdelivery) to request free copies of your credit reports. Other sites may charge you or be fraudulent sites set up to steal your personal information.
By law, everyone is entitled to one [free credit report](https://consumer.ftc.gov/articles/free-credit-reports) every twelve months from each of the three credit reporting agencies. [Click here to keep reading.](https://nhfcu.org/fraud-and-security/)
[https://www.consumer.ftc.gov](https://www.consumer.ftc.gov/)
**Categories:** News
---
### [Financial Literacy Tips - Take Care of Your Credit Score](https://nhfcu.org/financial-literacy-tips-take-care-of-your-credit-score/)
**Published:** June 30, 2025
**Author:** NHFCU Staff
**Content:**
As the years pass, the importance of having a healthy credit score increases. FICO Scores range from 300 to 850 (670 and above is considered healthy by most lenders). Credit scores are used to assess responsibility and risk. So, what are the consequences of a low score?
- Inability to acquire housing, including rental.
- Higher insurance premiums, or the ability to get insurance!
- Denial of employment.
- More costly phone plans and other contracted services.
- Check Your Credit Score Regularly
Monitor your credit history regularly by visiting [www.annualcreditreport.com](https://www.annualcreditreport.com/index.action) to see your complete credit history for free. You can download each report once a week from the three major US credit bureaus: Transunion, Experian, and Equifax. If errors are found, you can correct those by contacting the lenders or the credit reporting agency. In addition to reviewing your reports you also want to review your score. There are numerous services available to track your credit score. Many credit cards offer some type of monitoring services for you (yes! we are reviewing services like this for our members as well!).
For more in-depth review, [CLICK HERE](https://nhfcu.org/centers-for-finance-education/watch-learn/).
**Categories:** News
---
### [Please Vote for us AGAIN in ROUND 2 of the Cappies](https://nhfcu.org/please-vote-for-us-again-in-round-2-of-the-cappies/)
**Published:** June 18, 2025
**Author:** NHFCU Staff
**Content:**
For the last 16 years, we have had the honor of being the **Capital Area’s Favorite Credit Union**. We wear the title with pride and have our many members to thank. Once again, the Cappies are taking place, with two rounds of voting over the next month and a half. Round 2 of voting ends June 27th and we hope that you will be gracious enough to take the time to vote for us once again. As always we are here to serve all your banking needs.
PLEASE VOTE: [**Cappies 2025 – The Concord Insider**](https://clicktime.cloud.postoffice.net/clicktime.php?U=https://uudm6agab.cc.rs6.net/tn.jsp%3Ff%3D001LzqguP0rzjqfptIlMfuTb5ppk5tgoGtQgFsm3RidV-33owIWVWxnzw-7vPFRAvEly89OXaGfsqLjf1GU4SKIjMi5jnYILa9p9XSi3bJStTbClpiQgAxrWbxH4AnLX84reEbwwodW9YXidfz8p908JDtaonDDqygMM9idNUsFsFRFWpsQ8gzl4G3_C7KuYzxwA9dnXfMZyBQWRoRYakL5Yn5CL3o13XZo%26c%3DY0RVUF15EWRixhXOaG_35YGvfRAGjD6xH_aBM3vTxkBjJcX4Yo3fdQ%3D%3D%26ch%3DewDhBn00e5KrsfAFtXXrBZZDEvZLb0Hc3jdel4adnOcEaqbN1CV09A%3D%3D&E=cindy.phillips%40nhfcu.org&X=XID278dFRovS1935Xd1&T=NHFC&HV=U,E,X,T&H=4db78f1ff2aaba43d0a1b4eaf94e4313baca95f0)
**Categories:** News
---
### [Vote for us in the Cappies](https://nhfcu.org/vote-25/)
**Published:** May 9, 2025
**Author:** NHFCU Staff
**Content:**
For the last 16 years, we have had the honor of being the Capital Area’s Favorite Credit Union. We wear the title with pride and we have our many members to thank. Once again, the Cappies are taking place, with two rounds of voting over the next month and a half. Round one started May 1st and we hope that you will be gracious enough to take the time to vote for us. As always, we are here to serve all your banking needs.
[Cappies 2025 – The Concord Insider](https://www.theconcordinsider.com/cappies-2025/#/gallery?group=517248)
**Categories:** News
---
### [NHFCU System Upgrade](https://nhfcu.org/nhfcu-system-upgrade/)
**Published:** May 9, 2025
**Author:** NHFCU Staff
**Content:**
**Delivering beyond your expectations!**
We’re excited to share that NHFCU is moving forward to better meet your financial needs, delivering the service you expect and more! This involves two phases:
• June 2025 – System Upgrade
• Fall 2025 – New & Improved Online/Mobile Services
**Important Dates:**
**• May 31st – June 2nd, 2025**: online banking (e-branch/mobile app) and DirectLine will be **unavailable**.
**• Monday, June 2nd, 2025**: All NHFCU branches are **closed**.
Stay informed: visit [nhfcu.org/upgrade](https://nhfcu.org/upgrade/) for answers for frequently asked questions.
*We appreciate your patience as we enhance your experience.*
**Categories:** News
---
### [Join us for Hero Pups at NHFCU](https://nhfcu.org/join-us-for-hero-pups-at-nhfcu/)
**Published:** May 9, 2025
**Author:** NHFCU Staff
**Content:**
Stop in **Friday, May 23rd** to visit with Hero Pups! Hero Pups is a New Hampshire-based, non-profit organization that pairs support dogs with veterans and first responders throughout New England who have been diagnosed with service-related psychological challenges. Meet the pups and drop off any donations. Follow the link to their wish list <https://heropups.com/wish-list/>
In addition to the list they are also hoping for a donation of large bags of grass to help make a great outdoor area for the dogs at their new location.
**Pups will be at Airport Road from 12 noon to 3pm**
NHFCU will also donate items to the cause. For more information on Hero Pups visit: <https://heropups.com/>
[](https://nhfcu.org/wp-content/uploads/2024/06/hero-puppies-sleep.jpg) [](https://nhfcu.org/wp-content/uploads/2024/06/meghan-hero-pup.png)
**Categories:** News
---
### [Employee of the Quarter - Ed Hieber](https://nhfcu.org/employee-of-the-quarter-ed-hieber/)
**Published:** April 24, 2025
**Author:** NHFCU Staff
**Content:**
We’re excited to celebrate Ed Hieber’s outstanding performance! Ed earned several nominations from his coworkers for Employee of the Quarter. If you’ve never heard of or talked to Ed, well, we are not surprised. Ed works in IT and is an essential member of our internal support team. He makes it possible for us to serve YOU effectively and efficiently every day. His co-workers nominated Ed for Employee of the Quarter because of his responsiveness and positivity, along with his technical prowess. By making their jobs easier, he’s making your experience better!
Join us in congratulating Ed!
[](https://nhfcu.org/wp-content/uploads/2025/04/Ed-Hieber-2025-1355.jpg)
**Categories:** News
---
### [The Early Bird Gets the Worm. Start the HELOC application process today!](https://nhfcu.org/the-early-bird-gets-the-worm-start-the-heloc-application-process-today/)
**Published:** February 21, 2025
**Author:** NHFCU Staff
**Content:**
Home equity loans allow you to borrow money based on the value of your home to make home improvements or finance other large purchases.
At NHFCU we offer Home Equity Line of Credit (HELOC) as well as Home Equity Fixed Rate & Term Loans.
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 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.
Applying online is fast and simple. It can be done 24/7 and someone from our office will get in touch with you with an answer. You can even check the status of the application online as well.
It really is that easy. Use the equity you worked so hard to earn to treat yourself to the home of your dreams. You deserve it and we are here to help.
\*To access your HELOC funds, a Choice Checking or Classic Checking account is required.
[Click here for our Home Equity Loan Options](https://nhfcu.org/rate/home-equity/ "Click here for our Home Equity Loan Options")
**Categories:** News
---
### [NHFCU Named to Newsweek Top Credit Unions List, Again](https://nhfcu.org/newsweek-2025/)
**Published:** February 14, 2025
**Author:** NHFCU Staff
**Content:**
New Hampshire Federal Credit Union was recently named to America’s Best Regional Banks and Credit Unions by Newsweek for the 2nd year in a row. This list recognizes the top 250 regional banks and 250 credit unions in the United States. NHFCU received a perfect score; five stars from Newsweek and market data research firm Plant-A Insights Group. https://www.newsweek.com/rankings/americas-best-regional-banks-credit-unions-2025/new-hampshire
According to Nancy Cooper, Global Editor in Chief at Newsweek, “Regional banks and credit unions are the financial backbone of communities nationwide. They serve as vital engines at the local level as they support small businesses, fund projects and ensure easy access to essential banking services. With intimate knowledge of local economies, these banks often form strong bonds with customers, enabling them to better meet their needs.”
NHFCU’s VP of Financial Services and Marketing, Polly Saltmarsh said, “Once again, we are proud and excited to be recognized on the national level. We know our community and we strive to remain a strong organization committed to making a positive difference for our members. Being recognized on a national level means so much to our hardworking team.”
[](https://nhfcu.org/wp-content/uploads/2025/02/newsweek-assets2.png)
**Categories:** News
---
### [Financial Literacy Tips - Avoiding Credit Card Debt](https://nhfcu.org/financial-literacy-tips-avoiding-credit-card-debt/)
**Published:** September 24, 2024
**Author:** NHFCU Staff
**Content:**
A little financial wellness never hurt anyone… Understanding core financial principles can significantly impact our lives and our [budgets](https://www.fool.com/the-ascent/personal-finance/best-budgeting-apps/?luri=%2Fpersonal-finance%2Farticles%2F5-must-know-financial-tips-everyone-should-learn%2F&furi=%2Fpersonal-finance%2Farticles%2F5-must-know-financial-tips-everyone-should-learn%2F<yp=txt). Richard Barrington, a financial analyst for [Credit Sesame](https://www.creditsesame.com/), shares five must-know financial tips everyone should learn. This week we will focus on credit card debt.
### Avoid credit card debt
According to Barrington, credit card debt is notably the most hazardous type of debt one can incur. This is primarily because [credit cards](https://www.fool.com/the-ascent/credit-cards/?luri=%2Fpersonal-finance%2Farticles%2F5-must-know-financial-tips-everyone-should-learn%2F&furi=%2Fpersonal-finance%2Farticles%2F5-must-know-financial-tips-everyone-should-learn%2F<yp=txt) are always readily available, making it far too easy to accumulate debt.
The high interest rates associated with credit cards (average of 24.74% APR as of August 2024) exacerbate the issue. Compare that to a 12.8% interest rate for personal loans, a 6.73% rate for car loans, or a 6.59% for a mortgage, and you’re treading dangerous waters. Note: NHFCU’s Visa credit card is at 12.9% annual percentage rate.
Furthermore, the lack of a fixed repayment period means that credit card debt can continue to accrue interest indefinitely, deepening the financial hole.
Would you buy an item that had a ticket price of $200 but when you got the register it costs $221.59? If you put that purchase on a credit card, that is exactly what you are doing.
[MIT Sloan](https://mitsloan.mit.edu/press/mit-sloan-study-shows-credit-cards-act-to-step-gas-to-increase-spending) completed a study where they found that credit cards serve to ‘step on the gas’ by putting costs out-of-mind regardless of the price of the product. More specifically, the study revealed that credit cards drive greater purchasing by sensitizing reward networks in the brain, involving the same dopaminergic reward center (the striatum) that is exploited by addictive drugs…”
With credit cards being readily available, lack of a fixed repayment period, incredibly high interest rates, and the psychological aspects of credit card usage, there is the high possibility of accruing interest indefinitely, deepening the financial hole.
### Pay more than the minimum on credit cards
As Barrington points out, one strategic approach to managing credit card debt is to always pay more than the minimum payment required. Credit card companies benefit when consumers extend their repayment period, as this leads to more accumulated interest. By paying more than the minimum, you can significantly reduce the lifespan of your debt and save on interest.
As with any debt, paying extra towards the principle each month can reduce the lifespan of the loan and save you money on interest. This is even more pronounced when talking about credit cards. Credit cards have some of the highest rates averaging around 25% and some as high as 33%. By paying more than the minimum payment, you will not only pay the credit card down fast you will pay a lot less in interest.
Example. A credit card with a $3,000 balance at rate of 25% and minimum payment of 80.00 will take 74 months to pay off and cost you an additional $2,896 in interest – totaling $5,896.
By paying an additional $100 each month it will take you 21 months to pay off and cost you an additional $723 in interest – totaling $3,723, that’s a savings of over $1,100.
Credit cards can be a good thing when used properly. If you are diligent about paying off 100% of the balance each month, they can cost you nothing. Using them in this way can be a positive financial decision as they may improve your credit score and can provide you with rewards points or travel miles with each purchase.
At NHFCU, we emphasize and provide financial education because we recognize the importance of sharing our knowledge with our community. In addition to our free [videos](https://nhfcu.org/centers-for-finance-education/watch-learn/) and [classes](https://nhfcu.org/centers-for-finance-education/class-schedule-enrollment/), we offer one on one coaching for those who want additional personalize assistance. Coaching is where we share our knowledge, answer your questions, and give you the tools to be successful in your financial journey.
Stay tuned for our next article on credit scores.
You can reach our Centers for Finance & Education via email <centerFE@nhfcu.org> or phone at 603-224-7731 ex 330.
**Categories:** News
---
## Pages
### [Home](https://nhfcu.org/)
**Published:** December 20, 2021
**Author:** NHFCU Staff
---
### [Fraud and Security](https://nhfcu.org/fraud-and-security/)
**Published:** June 16, 2025
**Author:** NHFCU Staff
**Content:**
---
### [About Us - NHFCU](https://nhfcu.org/about/)
**Published:** October 14, 2026
**Author:** NHFCU Staff
---
### [NHFCU’s High Yield Savings](https://nhfcu.org/high-yield-savings/)
**Published:** October 1, 2026
**Author:** Millennium Staff
---
### [Hero's Honors Accounts](https://nhfcu.org/hero-2/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
---
### [Careers](https://nhfcu.org/careers/)
**Published:** July 21, 2025
**Author:** NHFCU Staff
---
### [Important Docs & Disclosures](https://nhfcu.org/important-forms/)
**Published:** October 1, 2024
**Author:** NHFCU Staff
---
### [Courtesy Pay Overdraft Protection](https://nhfcu.org/overdraft/)
**Published:** December 1, 2023
**Author:** NHFCU Staff
---
### [How to Pay My NHFCU Loan](https://nhfcu.org/how-to-pay-my-loan/)
**Published:** December 9, 2024
**Author:** NHFCU Staff
---
### [Checking Accounts](https://nhfcu.org/savings-checking/checking/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Annual Report](https://nhfcu.org/about/annual-report/)
**Published:** April 23, 2025
**Author:** NHFCU Staff
---
### [Upgrade FAQ](https://nhfcu.org/upgradefaq/)
**Published:** April 16, 2026
**Author:** NHFCU Staff
---
### [Locations & Hours](https://nhfcu.org/locations/)
**Published:** April 24, 2025
**Author:** NHFCU Staff
---
### [Contact Us & 24/7 Services](https://nhfcu.org/contact-us/)
**Published:** January 20, 2022
**Author:** NHFCU Staff
**Content:**
Members now have access to over 55,000 surcharge-free ATMs. See below for details.
Receive discounts and rewards by shopping with your VISA card. Click here to find out more!
Use it for cash at ATMs.
Use it for gas and groceries.
Make purchases worldwide wherever VISA® debit cards are accepted.
Make purchases by phone.
Use it to pay your monthly bills online.
Use it just like a credit card (without the debt!).
Carry and use it in place of cash or checks.
As a member with NHFCU, you now have access to over 55,000 surcharge-free ATM’s, worldwide! That’s TWICE as many ATM’s as Bank of America®! Use this tool to find the surcharge-free ATM nearest you: Allpoint ATM Locator
DirectLine 24/7 Telephone Access is a free service that lets you complete transactions simply by pushing buttons on your touch-tone phone. The number is (603)224-7908, or toll-free at (800)639-7701.
Here’s What You Need
A touch-tone phone.
Your basic Credit Union account number.
A DirectLine or e-branch 4-digit PIN. If you need a PIN, contact us.
24 hour Service/Support Numbers
After Hours Report Lost/Stolen VISA Credit Cards: In U.S. 1-855-445-1231 Outside U.S. 301-837-8410 (collect)
After Hours Report Lost/Stolen VISA Debit Cards: In U.S. (800) 472-3272 Outside U.S. (410) 581-9994 (collect)
---
### [Class Schedule & Enrollment](https://nhfcu.org/centers-for-finance-education/class-schedule-enrollment/)
**Published:** August 26, 2022
**Author:** NHFCU Staff
---
### [Privacy](https://nhfcu.org/privacy-policy/)
**Published:** December 20, 2021
**Author:** NHFCU Staff
**Content:**
## Who we are
**Suggested text:** Our website address is: https://dnhfcu.wpengine.com.
## Comments
**Suggested text:** When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
## Media
**Suggested text:** If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
## Cookies
**Suggested text:** If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
## Embedded content from other websites
**Suggested text:** Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
## Who we share your data with
**Suggested text:** If you request a password reset, your IP address will be included in the reset email.
## How long we retain your data
**Suggested text:** If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
## What rights you have over your data
**Suggested text:** If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
## Where we send your data
**Suggested text:** Visitor comments may be checked through an automated spam detection service.
---
### [Join NHFCU](https://nhfcu.org/join-nhfcu/)
**Published:** February 17, 2022
**Author:** NHFCU Staff
---
### [Best Credit Union - NHFCU](https://nhfcu.org/best-credit-union-nhfcu/)
**Published:** September 9, 2025
**Author:** NHFCU Staff
---
### [Borrowing](https://nhfcu.org/borrowing/)
**Published:** August 26, 2022
**Author:** NHFCU Staff
---
### [Apply Now](https://nhfcu.org/apply-now/)
**Published:** December 30, 2021
**Author:** NHFCU Staff
---
### [NHFCU- FAQ - Frequently Asked Questions](https://nhfcu.org/faq/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
---
### [e-Statements Upgrade](https://nhfcu.org/e-statements-upgrade/)
**Published:** May 7, 2025
**Author:** NHFCU Staff
---
### [Mortgage Statement Upgrade](https://nhfcu.org/mortgage-statement-upgrade/)
**Published:** July 16, 2025
**Author:** NHFCU Staff
---
### [Directline Upgrade](https://nhfcu.org/directline-upgrade/)
**Published:** May 7, 2025
**Author:** NHFCU Staff
---
### [Watch & Learn](https://nhfcu.org/centers-for-finance-education/watch-learn/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
**Content:**
Watch and learn with the financial experts at NH Federal Credit Union. Our knowledgeable staff provides expert money management tips with easy-to-watch videos. We offer an arsenal of FREE Financial Webinars on a variety of topics ranging from Credit Building to Budgeting to Retirement Classes to Classes for Young Adults.
---
### [Account History Upgrade](https://nhfcu.org/account-history-upgrade/)
**Published:** May 7, 2025
**Author:** NHFCU Staff
---
### [Savings](https://nhfcu.org/savings-checking/savings/)
**Published:** December 30, 2024
**Author:** NHFCU Staff
---
### [Vehicle Loans](https://nhfcu.org/apply-now/vehicle-loan/)
**Published:** November 19, 2024
**Author:** NHFCU Staff
---
### [Financial Coaching](https://nhfcu.org/centers-for-finance-education/financial-coaching/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Cars, Trucks, RVs, Motorcycle Loans](https://nhfcu.org/borrowing/cars-trucks-rvs-motorcycles/)
**Published:** January 20, 2022
**Author:** NHFCU Staff
---
### [Youth Financial Education](https://nhfcu.org/centers-for-finance-education/youth/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Savings and Checking Accounts](https://nhfcu.org/savings-checking/)
**Published:** August 26, 2022
**Author:** NHFCU Staff
---
### [Lost and Stolen Credit / Debit Cards](https://nhfcu.org/lost-and-stolen-credit-cards/)
**Published:** February 17, 2022
**Author:** NHFCU Staff
---
### [Personal and Credit Builder Loans](https://nhfcu.org/borrowing/personal-loans/)
**Published:** January 20, 2022
**Author:** NHFCU Staff
---
### [Website Accessibility](https://nhfcu.org/website-accessibility/)
**Published:** February 17, 2022
**Author:** NHFCU Staff
---
### [Rates](https://nhfcu.org/rates/)
**Published:** December 28, 2021
**Author:** NHFCU Staff
---
### [For Kids](https://nhfcu.org/savings-checking/for-kids/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Retirement Savings](https://nhfcu.org/savings-checking/retirement-savings/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Calculators](https://nhfcu.org/calculators/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Centers for Finance & Education](https://nhfcu.org/centers-for-finance-education/)
**Published:** August 26, 2022
**Author:** NHFCU Staff
---
### [Mortgages](https://nhfcu.org/apply-now/mortgage/)
**Published:** February 23, 2022
**Author:** NHFCU Staff
---
### [Personal Loan](https://nhfcu.org/apply-now/personal-loan/)
**Published:** February 23, 2022
**Author:** NHFCU Staff
---
### [Board of Directors and CEO](https://nhfcu.org/about/board-of-directors-and-ceo/)
**Published:** October 12, 2022
**Author:** NHFCU Staff
---
### [Build or Repair Credit](https://nhfcu.org/borrowing/build-or-repair-credit/)
**Published:** January 20, 2022
**Author:** NHFCU Staff
---
### [Calc (for calculator popup)](https://nhfcu.org/calc/)
**Published:** June 21, 2022
**Author:** NHFCU Staff
---
### [Employees](https://nhfcu.org/employees/)
**Published:** December 23, 2021
**Author:** NHFCU Staff
---
### [Online](https://nhfcu.org/online/)
**Published:** January 20, 2022
**Author:** NHFCU Staff
---
### [Sitemap](https://nhfcu.org/sitemap/)
**Published:** December 22, 2021
**Author:** NHFCU Staff
---
## Webinars/Events
### [Avoiding Fraud Webinar 8/9/24](https://nhfcu.org/individual/avoiding-fraud-11/)
**Published:** June 30, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 7/31/24](https://nhfcu.org/individual/avoiding-fraud-10/)
**Published:** April 29, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 7/16/24](https://nhfcu.org/individual/avoiding-fraud-9/)
**Published:** June 5, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 12/19/24](https://nhfcu.org/individual/avoiding-fraud-19/)
**Published:** March 5, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 12/10/24](https://nhfcu.org/individual/avoiding-fraud-18/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 11/20/24](https://nhfcu.org/individual/avoiding-fraud-17/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 10/28/24](https://nhfcu.org/individual/avoiding-fraud-16/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 10/8/24](https://nhfcu.org/individual/avoiding-fraud-15/)
**Published:** July 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 9/27/24](https://nhfcu.org/individual/avoiding-fraud-14/)
**Published:** June 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 9/12/24](https://nhfcu.org/individual/avoiding-fraud-13/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 8/20/24](https://nhfcu.org/individual/avoiding-fraud-12/)
**Published:** August 1, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Dave Ramsey's Total Money Makeover](https://nhfcu.org/individual/dave-ramseys-total-money-makeover-2/)
**Published:** August 1, 2024
**Author:** Kimberly Malette
**Content:**
**IN-PERSON CLASS**
Portsmouth Women’s City Club
375 Middle St., Portsmouth, NH 03801
You may have heard of Dave Ramsey or seen one of his videos online. Dave’s goal is to help people get out of debt and stay there, and his bestselling book “Total Money Makeover” has a lot of great advice! Join us for this in-person class where we will review the book and discuss several of the concepts discussed such as “Debt Snowball” and the “Baby Steps”.
---
### [Help! I Have too Much Credit Card Debt](https://nhfcu.org/individual/help-i-have-too-much-credit-card-debt-3/)
**Published:** August 1, 2024
**Author:** Kimberly Malette
**Content:**
**IN-PERSON CLASS**
Portsmouth Women’s City Club
375 Middle St, Portsmouth, NH 03801
Overwhelmed by balances that don’t seem to go down? Sick of having to put purchases on a credit card because you just don’t have the money in your checking account? Tired of high interest rates and costly late and over limit fees? Join us for this in-person class where we will discuss the credit card traps and what options you might have to get back on track
---
### [How to Build A Budget](https://nhfcu.org/individual/how-to-build-a-budget-3/)
**Published:** August 1, 2024
**Author:** Kimberly Malette
**Content:**
**IN-PERSON CLASS**
Portsmouth Women’s City Club
375 Middle St Portsmouth, NH 03801
What do you think of when you hear the word budget? Time consuming? Restrictions? No more fun? Not the case, a budget helps you live how you want to live because you tell your money what to do! In this class we will dive into the basics of building your Zero-Based Budget (ZBB) and allocated spending plan so you can be on the offensive and make your money start working for you.
---
### [NHFCU’s TOUCH-a-TRUCK](https://nhfcu.org/individual/touch-a-truck/)
**Published:** July 2, 2024
**Author:** NHFCU Staff
**Content:**
FREE Family Event
**NHFCU’s TOUCH-a-TRUCK**
**Saturday, July 20th from 12:30-3:30pm** 70 Airport Road, Concord
Bring your family and friends for a fun-filled afternoon!
- Various Vehicles
- Dunk Tank
- Kona Ice – FREE!
- Musician Mike Morris
- Raffle
This event will be held Rain or Shine.
[NHFCU’s TOUCH-a-TRUCK poster](https://nhfcu.org/wp-content/uploads/2024/07/NHFCUs-TOUCH-a-TRUCK-poster.pdf)
---
### [Avoiding Fraud Webinar 6/25/24](https://nhfcu.org/individual/avoiding-fraud-8/)
**Published:** March 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 6/6/24](https://nhfcu.org/individual/avoiding-fraud-7/)
**Published:** March 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Applying to College 101 – 5/8/24](https://nhfcu.org/individual/applying-to-college-101/)
**Published:** March 6, 2024
**Author:** Kimberly Malette
**Content:**
Webinar Online: Join Lily from **Granite Edvance** and **NHFCU** to help high school juniors and their families learn about the college admission process. We’ll cover how to build your college list and questions to ask on a college tour. We’ll also discuss college essay pointers, the application timeline, and the basics of financial aid. Attendees will receive a copy of Granite Edvance’s Admissions Insider.
---
### [Guide to Retirement](https://nhfcu.org/individual/guide-to-retirement/)
**Published:** April 24, 2024
**Author:** Kimberly Malette
**Content:**
Planning for retirement can be overwhelming. There are factors that are out of individuals’ control, such as market returns and regulatory reforms. There are factors over which they have some control, including longevity due to hot they manage their health and how long they work. How you manage and plan for these factors are key to creating a path to the retirement you want and deserve.
Troy Zerveskes and James Dimos, CFP of Advisory Resource Group share valuable insights, strategies, and approaches designed to help you better understand the retirement planning process.
---
### [Different Types of Equity Loans](https://nhfcu.org/individual/different-types-of-equity-loans/)
**Published:** March 15, 2024
**Author:** Kimberly Malette
**Content:**
If you are looking for more information about how home equities loans work and the different types, this is the class for you! In this one-hour webinar, we will discuss the features and benefits of NH Federal Credit Union’s “Home Equity Line of Credit” product, as well as our “Home Equity Fixed Rate” product. We’ll also walk you through how to apply and the application process.
---
### [All About Online Banking](https://nhfcu.org/individual/all-about-online-banking-3/)
**Published:** March 18, 2024
**Author:** Kimberly Malette
**Content:**
If you are interested in knowing more about NH Federal Credit Union’s online banking, this is the class for you! We will cover the different features as well as give you instructions on how you can see your balances, make transfers, pay bills, set yourself up for E-statements and so much more!
---
### [Getting to Know NH FCU Mobile Banking App](https://nhfcu.org/individual/getting-to-know-nh-fcu-mobile-banking-app/)
**Published:** March 18, 2024
**Author:** Kimberly Malette
**Content:**
In this 30-minute webinar, we will take you through many of the exciting features of our Mobile Banking App! Learn how to reset your password, pay bills, make transfers, turn your debit card off/on, use Remote Deposit Capture and more!
---
### [Home Buying 101](https://nhfcu.org/individual/home-buying-101-3/)
**Published:** March 18, 2024
**Author:** Kimberly Malette
**Content:**
Thinking about buying a home? Join us for this class to review the pros and cons of homeownership, better understand the mortgage process and discuss the long- term costs and considerations when shopping for your home and home loan.
---
### [I Want to Buy a House Some Day, What Can I Do to Get Ready Now?](https://nhfcu.org/individual/i-want-to-buy-a-house-some-day-what-can-i-do-to-get-ready-now-3/)
**Published:** March 18, 2024
**Author:** Kimberly Malette
**Content:**
Buying a home is the American Dream! Maybe you are not ready to buy now, but what can you do to make sure you are ready when the time comes? In this one-hour webinar, we will discuss the major components to getting ready to buy a home.
---
### [Car Buying](https://nhfcu.org/individual/car-buying-2/)
**Published:** March 15, 2024
**Author:** Kimberly Malette
**Content:**
The auto industry has changed a lot in recent years. Prices are higher as well as interest rates, which are resulting in higher payments. In this class, learn about how to know you are getting a fair deal, tips and tricks to navigate at the dealership, purchasing a car via an online channel and more.
---
### [Lending Decisions and How They Are Made](https://nhfcu.org/individual/lending-decisions-and-how-they-are-made-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Have you ever applied for a loan and anxiously awaited the decision? Have you ever wondered WHY you don’t get that great rate the dealer advertised when it comes time to sign the dotted line? This educational session provides you a behind-the-scenes look at the mysterious internal processes involved in “decisioning” a loan from the lender’s perspective. You will be provided with real life tools and gain knowledge so you can improve your chances for approval and the best rates.
---
### [Avoiding Fraud Webinar 5/27/24](https://nhfcu.org/individual/avoiding-fraud-6/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 5/9/24](https://nhfcu.org/individual/avoiding-fraud-5/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 4/11/24](https://nhfcu.org/individual/avoiding-fraud-4/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar: 3/27/24](https://nhfcu.org/individual/avoiding-fraud-3/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [Avoiding Fraud Webinar 3/5/24](https://nhfcu.org/individual/avoiding-fraud-2/)
**Published:** February 21, 2024
**Author:** Kimberly Malette
**Content:**
Webinar: Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
---
### [All About Online Banking 3/6/24](https://nhfcu.org/individual/all-about-online-banking-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Webinar: Get to know all about NHFCU’s online banking and mobile app!
---
### [Car Buying](https://nhfcu.org/individual/car-buying/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
The world has changed since COVID and the auto industry has as well. In this class, learn about how to know you are getting a fair deal, tips and tricks to navigate at the dealership, purchasing a car via an online channel and more.
---
### [Transfer Credit Card Balances to NHFCU Credit Card](https://nhfcu.org/individual/transfer-credit-card-balances-to-nhfcu-credit-card/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
If you have been wondering if a credit card balance transfer is right for you, this is your webinar. In this class we discuss why balance transfers are helpful, offer a calculator to see if you will save, and then show you how easy it is to apply and complete a balance transfer online. In the handouts you can find an additional video, “How to Complete a Balance Transfer Using Our Mobile App.
---
### [How to Pay Down Debt](https://nhfcu.org/individual/how-to-pay-down-debt-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Stop letting your debt run your life, take a stand! In conjunction with using your budget we are going to show you the two top ways to pay down debt. Do you prefer the Debt Snowball or the Debt Avalanche method? Not sure what the difference is, well in this class we will discuss the difference. Starting with how to create your plan and how you can get ahead of paying down your debt.
---
### [New Year’s Resolutions for Finances](https://nhfcu.org/individual/new-years-resolutions-for-finances-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
The New Year is fast approaching and there’s no better time to take a NEW look and NEW attitude toward handling your money. Join us for this class where we will set some new goals and talk about how to make positive changes for the year ahead – whether it’s paying off debt, building savings, planning for retirement, or just learning more about money management, we’ll discuss the topics you want to know more about and help you set the steps to get there!
---
### [Home Buying 101](https://nhfcu.org/individual/home-buying-101-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Thinking about buying a home? Join us for this class to review the pros and cons of homeownership, better understand the mortgage process and discuss the long- term costs and considerations when shopping for your home and home loan.
---
### [I Want to Buy a House Some Day! What Can I do to Get Ready Now?](https://nhfcu.org/individual/i-want-to-buy-a-house-some-day-what-can-i-do-to-get-ready-now-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Buying a home is the American Dream! Maybe you are not ready to buy now, but what can you do to make sure you are ready when the time comes? In this one-hour webinar, we will discuss the major components to getting ready to buy a home.
---
### [Overcoming Overspending](https://nhfcu.org/individual/overcoming-overspending-3/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Have you ever said to yourself “I make decent money, but I don’t know where it all goes”? If so, then this is the class for you! We will talk about how to figure out where you are overspending and then some tips and tricks to help you stay on track.
---
### [How to Build a Budget](https://nhfcu.org/individual/how-to-build-a-budget-2/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
What do you think of when you hear the word budget? Time consuming? Restrictions? No more fun? Not the case, a budget helps you live how you want to live because you tell your money what to do! In this class we will dive into the basics of building your Zero-Based Budget (ZBB) and allocated spending plan so you can be on the offensive and make your money start working for you.
---
### [Getting Out of the Paycheck to Paycheck Lifestyle](https://nhfcu.org/individual/getting-out-of-the-paycheck-to-paycheck-lifestyle/)
**Published:** December 7, 2023
**Author:** Kimberly Malette
**Content:**
Not sure where all of your money goes? Tired of working hard and not having anything to show for it? Sick of being behind on bills and accumulating debt? This is the class for you!
---
### [Overcoming Overspending](https://nhfcu.org/individual/overcoming-overspending-2/)
**Published:** November 15, 2023
**Author:** Kimberly Malette
**Content:**
Have you ever said to yourself “I make decent money, but I don’t know where it all goes?” If so, then this is the class for you! We will talk about how to figure out where you are overspending and then some tips and tricks to help you stay on track.
---
### [Transfer Credit Card Balances to NHFCU Card](https://nhfcu.org/individual/transfer-credit-card-balances-to-nhfcu-card/)
**Published:** November 15, 2023
**Author:** Kimberly Malette
**Content:**
If you have been wondering if a credit card balance transfer is right for you, this is your webinar. In this class we discuss why balance transfers are helpful, offer a calculator to see if you will save, and then show you how easy it is to apply and complete a balance transfer online.
---
### [New Year's Resolutions for Finances](https://nhfcu.org/individual/new-years-resolutions-for-finances/)
**Published:** November 15, 2023
**Author:** Kimberly Malette
**Content:**
The New Year is fast approaching and there’s no better time to take a NEW look and NEW attitude toward handling your money. Join us for this class where we will set some new goals and talk about how to make positive changes for the year ahead – whether it’s paying off debt, building savings, planning for retirement, or just learning more about money management, we’ll discuss the topics you want to know more about and help you set the steps to get there!
---
### [All About Online Banking](https://nhfcu.org/individual/all-about-online-banking/)
**Published:** November 2, 2023
**Author:** Kimberly Malette
**Content:**
Join us for all about online banking. We discuss the general pros and cons of this technology, how it has changed the banking industry, and how you can feel confident using such a tool. We will also show a live demonstration of our website while using online banking. Can’t wait to see you there.
---
### [Holiday shopping on a Budget](https://nhfcu.org/individual/holiday-shopping-on-a-budget/)
**Published:** November 2, 2023
**Author:** Kimberly Malette
**Content:**
‘Tis the season to spend less and save more! Give yourself the gift of saving money this holiday season. Trim down your expenditures by making a list … and checking it twice! Drive your sleigh around marketing gimmicks and stick to your budget. Join us for this webinar to give yourself peace of mind this holiday season and avoid starting the new year off with a mountain of debt.
---
### [Taking Advantage of the Equity in Your Home](https://nhfcu.org/individual/taking-advantage-of-the-equity-in-your-home/)
**Published:** October 24, 2023
**Author:** Kimberly Malette
**Content:**
One perk that comes with high housing costs is that homeowners may have more equity in their home now than ever before. What does that mean and how can you use it to your advantage? Join us for this one-hour webinar where we’ll discuss using the equity in your home to your advantage!
---
### [Different Types of Equity Loans and How They Work](https://nhfcu.org/individual/different-types-of-equity-loans-and-how-they-work/)
**Published:** October 24, 2023
**Author:** Kimberly Malette
**Content:**
If you are looking for more information about how home equities loans work and the different types, this is the class for you! In this one hour webinar, we will discuss the features and benefits of NH Federal Credit Union’s “Home Equity Line of Credit” product, as well as our “Home Equity Fixed Rate” product. We’ll also walk you through how to apply and the application process.
---
### [Dave Ramsey's 7 Baby Steps to Financial Freedom](https://nhfcu.org/individual/dave-ramseys-7-baby-steps-to-financial-freedom/)
**Published:** October 7, 2023
**Author:** Kimberly Malette
**Content:**
Have you wanted to get your financial house in order but didn’t know where to start. Dave’s steps will help you create that plan. These steps are part of Dave’s book “Total Money Makeover” and the base of his course Financial Peace University. Join us for this webinar in which we will explain the steps in order and tips for future savings.
---
### [How to Build/Rebuild Your Credit](https://nhfcu.org/individual/how-to-build-rebuild-your-credit/)
**Published:** October 7, 2023
**Author:** Kimberly Malette
**Content:**
Are you just starting out and don’t have a credit score but not sure what’s the best way to start? Or have you had some difficulties with your credit score dropping so low that you need help repairing it? Join this webinar to help you understand credit, how it is used, how to identify areas that need improving or attention, and get you on your way to a great credit score.
---
### [Help! I Have Too Much Credit Card Debt](https://nhfcu.org/individual/help-i-have-too-much-credit-card-debt-2/)
**Published:** September 20, 2023
**Author:** Kimberly Malette
**Content:**
Overwhelmed by balances that don’t seem to go down? Sick of having to put purchases on a credit card because you just don’t have the money in your checking account? Tired of high interest rates and costly late and over limit fees? Join us for this one-hour webinar where we will discuss the credit card traps and what options you might have to get back on track.
---
### [Credit Score Dos & Don’ts](https://nhfcu.org/individual/credit-score-dos-donts/)
**Published:** September 20, 2023
**Author:** NHFCU Staff
**Content:**
In this one-hour webinar, learn what makes up your credit score and the different “credit myths” that are out there. We will discuss how to find out what is on your bureaus, how to improve your credit and ways that your score will go down. Looking to purchase a car or a home in the future and not sure how to raise or maintain your score? This is the class for you!
---
### [Buying First Car and Renting First Apartment](https://nhfcu.org/individual/buying-first-car-and-renting-first-apartment/)
**Published:** August 25, 2023
**Author:** NHFCU Staff
**Content:**
A great class for teenagers and young adults first starting out! In this webinar, we will discuss the different ways to purchase a vehicle, provide information on how to make sure you are getting a fair deal and how buying or leasing at the dealership works. We will also discuss the expenses involved and other things you will need to know when getting ready to rent your first apartment.
---
### [Banking Basics](https://nhfcu.org/individual/banking-basics/)
**Published:** August 25, 2023
**Author:** NHFCU Staff
**Content:**
A great class for teenagers or young adults starting out! This webinar was developed because the majority of high school students do not get any financial education when they are in school. We will go into the basics of how a checking account and debit card work, all the different ways that you can pay your bills, the basics of credit and how important it is to budget and save money.
---
### [How Much Things Cost in 2023](https://nhfcu.org/individual/how-much-things-cost-in-2023/)
**Published:** August 25, 2023
**Author:** NHFCU Staff
**Content:**
A great class for teenagers or young adults first starting out! In this webinar, we will examine different areas that affect us all – the prices of housing, cars, food etc. in 2023.
---
### [Financial Aid 101](https://nhfcu.org/individual/financial-aid-101/)
**Published:** August 23, 2023
**Author:** NHFCU Staff
**Content:**
This presentation helps families navigate through the federal financial aid process (FAFSA), explores what type of additional aid is available, reviews scholarship searches, and highlights the importance of meeting deadlines. Attendees will receive a digital copy of NHHEAF’s Financial Aid Insider.
---
### [Basics of Savings and Credit](https://nhfcu.org/individual/basics-of-savings-and-credit/)
**Published:** July 17, 2023
**Author:** NHFCU Staff
**Content:**
A great class for young adults that are just starting out. We will provide you with a basic overview of how and why it is important to save, the importance of understanding and building credit, and lastly, why is it so important to start now rather than later.
---
### [Getting Your Credit Score Home Buying Worthy!](https://nhfcu.org/individual/getting-your-credit-score-home-buying-worthy/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
A major reason why some people think they will never be able to buy a home is due to their credit score. Raising your credit score is like losing weight – if you do the right things, your score will improve! You are not stuck with a bad score forever if you make some changes. Join us for this one-hour webinar where we will discuss all this and more.
---
### [Different Types of Mortgage Options](https://nhfcu.org/individual/different-types-of-mortgage-options/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
Traditional mortgage products are great, but there are a lot of different options out there. Maybe you are hoping to build, are a first-time home buyer or a veteran. Join us for this one-hour webinar where we’ll talk about the different options that you could have and why you may want to consider them.
---
### [I want to Buy a House Some Day! What Can I do to get ready now?](https://nhfcu.org/individual/i-want-to-buy-a-house-some-day-what-can-i-do-to-get-ready-now/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
Buying a home is the American Dream! Maybe you are not ready to buy now, but what can you do to make sure you are ready when the time comes? In this one-hour webinar, we will discuss the major components of getting ready to buy a home.
---
### [Home Buying 101](https://nhfcu.org/individual/home-buying-101/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
Thinking about buying a home? Join us for this class to review the pros and cons of homeownership, better understand the mortgage process and discuss the long-term costs and considerations when shopping for your home and home loan.
---
### [Home Buying in the Current Market](https://nhfcu.org/individual/home-buying-in-the-current-market/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
Curious to know what is going on in the market today? Join us for this one-hour webinar where we’ll have some local real estate agents with us to tell you what they are seeing out there!
---
### [Lending Decisions and How They Are Made](https://nhfcu.org/individual/lending-decisions-and-how-they-are-made/)
**Published:** April 24, 2023
**Author:** NHFCU Staff
**Content:**
Have you ever applied for a loan and anxiously awaited the decision? Have you ever wondered WHY you don’t get that great rate the dealer advertised when it comes time to sign the dotted line? This educational session provides you with a behind-the-scenes look at the mysterious internal processes involved in “decisioning” a loan from the lender’s perspective. You will be provided with real life tools and gain knowledge so you can improve your chances for approval and the best rates.
---
### [Can I Refinance My Car?](https://nhfcu.org/individual/can-i-refinance-my-car-2/)
**Published:** June 6, 2023
**Author:** NHFCU Staff
**Content:**
Most people know that they can refinance homes – but they don’t know, or don’t realize, they can refinance their vehicle under the right circumstances. Join us for our 1-hour webinar where we discuss why someone would want to refinance, how to go through that process, and some alternatives.
---
### [Car Buying in 2023](https://nhfcu.org/individual/car-buying-in-2023-2/)
**Published:** June 6, 2023
**Author:** NHFCU Staff
**Content:**
The world has changed since COVID and the auto industry has as well. In this class, learn about how to know you are getting a fair deal, tips and tricks to navigate at the dealership, purchasing a car via an online channel and more.
---
### [How to Pay Down Debt](https://nhfcu.org/individual/how-to-pay-down-debt/)
**Published:** May 1, 2023
**Author:** NHFCU Staff
**Content:**
Stop letting your debt run your life, take a stand! In conjunction with using your budget, we are going to show you the two top ways to pay down debt. Do you prefer the Debt Snowball or the Debt Avalanche method? Not sure what the difference is? In this webinar, we will discuss those differences. Join us and will we show you how you can start making a huge dent in your debt.
---
### [How to Build a Budget](https://nhfcu.org/individual/how-to-build-a-budget/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
What do you think of when you hear the word budget? Time consuming? Restrictions? No more fun? Not the case, a budget helps you live how you want to live because you tell your money what to do! In this class we will dive into the basics of building your Zero-Based Budget (ZBB) and allocated spending plan so you can be on the offensive and make your money start working for you.
---
### [Overcoming Overspending](https://nhfcu.org/individual/overcoming-overspending/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
Have you ever said to yourself “I make decent money, but I don’t know where it all goes?” If so, then this is the class for you! We will talk about how to figure out where you are overspending and then some tips and tricks to help you stay on track.
---
### [Building a Budget When You Are Self Employed](https://nhfcu.org/individual/building-a-budget-when-you-are-self-employed/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
Creating a budget and savings plan can be challenging under the best of circumstances. When you are self-employed and don’t have a steady paycheck, it is even more important to have your finances in order and plan ahead. Join us for this one-hour webinar where you will hear about some tips and tricks to get you on the right path.
---
### [Managing Your Money When You are Self Employed](https://nhfcu.org/individual/managing-your-money-when-you-are-self-employed/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
When you get a paycheck every two weeks, it is easy enough to figure out when each bill should get paid, when you should make the big grocery store trip for the month etc. When you are self-employed, your pay may be irregular and a check you get may need to last you for a while. Join us for this one-hour webinar where we’ll give you some tips and tricks to guide you in this process.
---
### [Saving for Retirement When You are Self Employed](https://nhfcu.org/individual/saving-for-retirement-when-you-are-self-employed/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
There are a lot of different ways to save for retirement. Many people contribute to their 401K at work, but self-employed individuals do not have that as an option. Join us for this one-hour webinar where we will discuss how to get an idea of what you’ll need to save for retirement, as well as ways to do it. We are NOT financial advisors and cannot give you any specific advice, this will be just the basics.
---
### [Get Out of Paycheck-to-Paycheck Lifestyle](https://nhfcu.org/individual/get-out-of-paycheck-to-paycheck-lifestyle/)
**Published:** April 20, 2023
**Author:** NHFCU Staff
**Content:**
The key to getting on track with your finances lies in your ability to STOP living in “paycheck-to-paycheck” mode. 70% of Americans live this way, but there is a way out. Join us for some lessons in how to take the necessary steps to build a brighter future by getting your finances and spending plan under your control. You will relieve stress and start getting ahead!
---
### [Help! I Can't Stop Using My Credit Card!](https://nhfcu.org/individual/help-i-cant-stop-using-my-credit-card/)
**Published:** October 27, 2022
**Author:** NHFCU Staff
**Content:**
Using a credit card seems like such an easy solution when you have something you need to buy and don’t have the money for it. They are relatively easy to get, and many times the minimum payment that is due each month is affordable.
But as time goes on, people start to realize that not only are their balances not going down despite paying on them every month, and we are using them more and more.
Join us for this 1-hour webinar where we will discuss the good and the bad things about credit cards, the “minimum payment trap”, examine why we started using them in the first place and how to make adjustments to stop using them going forward.
---
### [How Much of a Mortgage Can I Really Afford?](https://nhfcu.org/individual/how-much-of-a-mortgage-can-i-really-afford/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
How much you are pre-approved for and what you can afford for a monthly mortgage payment can be two different amounts entirely. How does your financial institution come up with how much they will lend to you? How do you figure out how much of a monthly payment works well for you and your family? Join us for this one-hour webinar where we will discuss all these details and more.
---
### [Dave Ramsey’s Total Money Makeover](https://nhfcu.org/individual/dave-ramseys-total-money-makeover/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
You may have heard of Dave Ramsey or seen one of his videos online. Dave’s goal is to help people get out of debt and stay there, and his best-selling book “Total Money Makeover” has a lot of great advice! Join us for this one-hour webinar where we will review the book and discuss several of the concepts discussed such as “Debt Snowball” and the “Baby Steps”.
---
### [Create Lasting Change Parts 1 & 2 Featuring Penelope Perri](https://nhfcu.org/individual/create-lasting-change-pt-1-featuring-penelope-perri/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
Did you make a resolution for 2023? If so, this class is for you.
So often our New Year’s resolutions are like whirlwind romances. We initially experience the high of infatuation with our goals, only to crash and burn when things flame out quickly.
For lasting change, we need a different kind of relationship with our goals: a relationship that grows and evolves, so that it can endure.
Join certified Life Coach Penelope Perri to learn new tools — and a new way of thinking about your resolutions — to create real, lasting change, from the inside out.
**Please note: When you register in Eventbrite, please click on both registration buttons: Wednesday, February 15 & Wednesday, February 22, 2023.**
---
### [How to Select a Real Estate Agent & What They Do](https://nhfcu.org/individual/how-to-select-a-real-estate-agent-what-they-do/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
Whether you are looking to buy a house, sell your current one or both, many individuals will be involved in the process. Perhaps the most valuable of all is the real estate agent! How do you go about finding one? How much do they cost and who pays for it? When the market is good, do you really need one? Join us for this one-hour webinar where we will discuss all of this and more.
---
### [First Time Homebuyers](https://nhfcu.org/individual/first-time-homebuyers/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
Buying a home is one of the biggest and most exciting decisions that you will make in your life. It can also be one of the most confusing! How do you know how much you can afford? How much money do you need for a down payment? Is your credit good enough? Do you owe too much in student loans or other debts? Join us for this one-hour webinar where we will talk about all you need to know to get started on your path to home ownership.
---
### [One Stop Shopping – Getting Your NH Federal Credit Union Car Loan Directly From the Dealership](https://nhfcu.org/individual/one-stop-shopping-getting-your-nh-federal-credit-union-car-loan-directly-from-the-dealership/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
Ever wonder how your friend decided to buy a new car, went to the dealership and then had it in their driveway hours later? In this one hour webinar, we will discuss what indirect lending is, how it works and all the advantages that it has.
---
### [Car Buying 101](https://nhfcu.org/individual/car-buying-101/)
**Published:** January 17, 2023
**Author:** NHFCU Staff
**Content:**
Before you hit the dealership, gain beneficial insights into what happens at the dealership. You will leave better prepared to negotiate with confidence.
---
### [Help! I Have Too Much Credit Card Debt](https://nhfcu.org/individual/help-i-have-too-much-credit-card-debt/)
**Published:** December 12, 2022
**Author:** NHFCU Staff
**Content:**
Using a credit card seems like such an easy solution when you have something you need to buy and don’t have the money for it. They are relatively easy to get, and many times the minimum payment that is due each month is affordable.
But as time goes on, people start to realize that not only are their balances not going down despite paying on them every month, and we are using them more and more.
---
### [Avoiding Fraud - In Person](https://nhfcu.org/individual/avoiding-fraud-in-person/)
**Published:** December 12, 2022
**Author:** NHFCU Staff
**Content:**
Scammers are becoming more and more sophisticated every day, putting you at a substantial risk. Learn the warning signs of fraud, the latest “scams” out there and how to protect yourself.
---
### [I Have Holiday Debt, Now What Do I Do?](https://nhfcu.org/individual/i-have-holiday-debt-now-what-do-i-do/)
**Published:** December 12, 2022
**Author:** NHFCU Staff
**Content:**
According to a recent survey from “Money Geek”, in 2021 more than 65% of Americans put their holiday spending on credit cards. Worse yet, by mid-year 2022, 40% of individuals were still working on paying off their holiday debt.
Join us for this one-hour webinar where we will talk about options that you may have to get your debt paid off as quickly and cheaply as possible. We will also discuss ways that you can start preparing now for next year, so that history does not repeat itself.
---
### [The Magic of Purpose Driven Savings Accounts](https://nhfcu.org/individual/the-magic-of-purpose-driven-savings-accounts/)
**Published:** October 27, 2022
**Author:** NHFCU Staff
**Content:**
Saving money is always a great idea! Many of us save money for a variety of reasons – to have for emergencies, to go on vacation, holidays, car repairs , or even just to buy things we want without feeling guilty about it!
Many people find that they achieve their goal when they develop a plan to save a certain amount for a certain purpose by a certain period of time.
Join us for this webinar where we will talk about organizing your savings, what sub-accounts are and how they work and much much more!
---
### [Preparing to Buy a Home in 2023](https://nhfcu.org/individual/preparing-to-buy-a-home-in-2023/)
**Published:** October 27, 2022
**Author:** NHFCU Staff
**Content:**
There are so many questions to consider when contemplating buying a home.
- Is now the right time?
- Do we have enough money saved up?
- Will rising interest rates have a big effect on what my payment would be?
- What does my credit score need to look like in order to be approved?
Join us for this in person class where we will talk about the state of the housing market, interest rates, everything you need to do to get yourself ready and more!
---
## Rates
### [Home Equity Loans](https://nhfcu.org/rate/home-equity/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
**Excerpt:** Choose the home equity loan that works for you. Whether that’s establishing a credit line you can access any time or borrowing a lump sum of money based on the equity you have.
---
### [Certificates, IRA Certificates, Savings & Money Market](https://nhfcu.org/rate/certificates-ira-certificates-savings-money-market/)
**Published:** October 9, 2026
**Author:** NHFCU Staff
**Excerpt:** You’ll find lower minimum balance requirements and some of the best rates in NH from your local Credit Union. Check out the Annual Percentage Yields.
---
### [New and Used Auto Loans](https://nhfcu.org/rate/new-used-autos/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
**Excerpt:** We finance new and used cars, trucks, and SUV’s with some of the best rates around and no gimmicks.
---
### [Visa Credit Card](https://nhfcu.org/rate/visa-credit-cards/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
**Excerpt:** Offering a stable, fixed rate, so there are no surprises with a NH Federal Credit Union Visa Credit Card, just the best local, personal service you have come to expect from YOUR credit union.
---
### [Recreational Vehicle Loans](https://nhfcu.org/rate/recreational-vehicles/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
**Excerpt:** Financing for snowmobiles, motorcycles, boats, campers & more.
---
### [Personal Loans](https://nhfcu.org/rate/personal-loans/)
**Published:** October 1, 2026
**Author:** NHFCU Staff
**Excerpt:** Choose from a variety of personal loan offerings and get on the right track to meeting your financial goals.
---
### [Mortgages](https://nhfcu.org/rate/mortgages/)
**Published:** October 27, 2025
**Author:** NHFCU Staff
**Excerpt:** NHFCU offers you COMPLETE resources for home buying and refinancing, including a wide array of home financing options and programs. Plus, you’ll get guidance through the financing process so you can make the right choice for YOU when looking to purchase or refinance a home.
---
## Videos
### [Different Types of Equity Loans and How They Work](https://nhfcu.org/videos/different-types-of-equity-loans-and-how-they-work/)
**Published:** May 23, 2024
**Author:** NHFCU Staff
**Content:**
If you are looking for more information about how home equity loans work and the different types, this is the class for you! In this one-hour webinar, we will discuss the features and benefits of NH Federal Credit Union’s “Home Equity Line of Credit” product, as well as our “Home Equity Fixed Rate” product. We’ll also walk you through how to apply and the application process.
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** Center for Finance & Education, heloc, home equity loan
---
### [Home Buying 101](https://nhfcu.org/videos/home-buying-101/)
**Published:** May 23, 2024
**Author:** NHFCU Staff
**Content:**
Buying a home is a huge investment, both financially and emotionally. Join us for this course to review the pros and cons of homeownership, better understand the mortgage process and discuss the long- term costs and considerations when shopping for your home and home loan.
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** Center for Finance & Education, home buying
---
### [Applying for a Loan Online](https://nhfcu.org/videos/applying-for-a-loan-online/)
**Published:** May 28, 2024
**Author:** NHFCU Staff
**Content:**
If you are interested in finding out more information on any of our loan products or applying, this video is for you!
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** applying, Center for Finance & Education, loan
---
### [Buying Your First Car and Renting Your First Apartment](https://nhfcu.org/videos/buying-your-first-car-and-renting-your-first-apartment/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
A great class for teenagers and young adults first starting out! In this webinar, we will discuss the different ways to purchase a vehicle, provide information on how to make sure you are getting a fair deal and how buying or leasing at the dealership works. We will also discuss the expenses involved and other things you will need to know when getting ready to rent your first apartment.
“\*Rates in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
---
### [Car Buying 101](https://nhfcu.org/videos/car-buying-101/)
**Published:** January 29, 2025
**Author:** NHFCU Staff
**Content:**
The auto industry has changed a lot in recent years. Prices are higher as well as interest rates, which are resulting in higher payments. In this class, learn about how to know you are getting a fair deal, tips and tricks to navigate at the dealership, purchasing a car via an online channel and more.
“\*Rates in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** car buying
---
### [I Want to Buy a House Someday! What Can I Do to Get Ready Now?](https://nhfcu.org/videos/i-want-to-buy-a-house-someday-what-can-i-do-to-get-ready-now/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Buying a home is the American Dream! Maybe you are not ready to buy now, but what can you do to make sure you are ready when the time comes? In this one-hour webinar, we will discuss the major components to getting ready to buy a home.
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** home buying
---
### [Avoiding Fraud](https://nhfcu.org/videos/avoiding-fraud/)
**Published:** July 9, 2025
**Author:** NHFCU Staff
**Content:**
Concerned about fraud? Not sure if a call or email you just received is legit or not? Join us for this short webinar where we will give you some tips on how to prevent fraud, as well as information on the popular scams we are seeing.
\*Rates in this video have expired.\* Please visit our website for the most up-to-date rates [www.nhfcu.org](http://www.nhfcu.org)
**Video types:** fraud
---
### [Overcoming Overspending](https://nhfcu.org/videos/overcoming-overspending/)
**Published:** January 29, 2025
**Author:** NHFCU Staff
**Content:**
Have you ever said to yourself “I make decent money, but I don’t know where it all goes?” If so, then this is the class for you! We will talk about how to figure out where you are overspending and then some tips and tricks to help you stay on track.
**Video types:** Center for Finance & Education
---
### [Dave Ramsey's 7 Baby Steps to Financial Freedom](https://nhfcu.org/videos/dave-ramseys-7-baby-steps-to-financial-freedom/)
**Published:** January 29, 2025
**Author:** NHFCU Staff
**Content:**
At one time in his life, Dave Ramsey was drowning in debt. Now he teaches people all over the world how to get out of debt and stay there for good. Join us for this half hour webinar where we discuss the man himself, as well as his 7 Baby Steps and Debt Snowball.
“\*Rates in this video have expired\*. Please visit our website for the most up-to-date rates www.nhfcu.org”
**Video types:** debt
---
### [How to Pay Down Debt](https://nhfcu.org/videos/how-to-pay-down-debt/)
**Published:** January 29, 2025
**Author:** NHFCU Staff
**Content:**
Stop letting your debt run your life. Take a stand! In conjunction with using your budget, we are going to show you the top two ways to pay down debt. Do you prefer the Debt Snowball or the Debt Avalanche method? Not sure what the difference is? Well, in this class we will discuss the difference, starting with how to create your plan and how you can get ahead of paying down your debt.
**Video types:** Center for Finance & Education, debt
---
### [Getting Your Credit Score Home Buying Worthy](https://nhfcu.org/videos/getting-your-credit-score-home-buying-worthy/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
A major reason why some people think they will never be able to buy a home is due to their credit score. Raising your credit score is like losing weight – if you do the right things, your score will improve! You are not stuck with a bad score forever if you make some changes. Join us for this one-hour webinar where we will discuss all this and more
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** credit score, home buying
---
### [Dave Ramsey’s Baby Steps and Debt Snowball](https://nhfcu.org/videos/dave-ramseys-baby-steps-and-debt-snowball/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
At one time in his life, Dave Ramsey was drowning in debt. Now he teaches people all over the world how to get out of debt and stay there for good. Join us for this half hour webinar where we discuss the man himself, as well as his 7 Baby Steps and Debt Snowball.
**Video types:** Center for Finance & Education, debt
---
### [Retail Therapy and Mom guilt are Real!](https://nhfcu.org/videos/retail-therapy-and-mom-guilt-are-real/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
You know the phrase ” When the going gets tough, the tough go shopping”? While men do this as well, a recent study from Ebates.com shows that 64% of women admit to engaging in “retail therapy” to improve their mood. And then there’s that good old “Mom Guilt”! We feel guilty spending money on ourselves. We feel like failures if our kids don’t have everything that they need and want. In both instances, we sometimes spend money on things we don’t have or even on things we shouldn’t be spending money on, and we are left feeling bad about any decision we make. Join us for this 1-hour webinar where we will examine the psychology of money when it comes to women and ways that we can help ease our minds and our purses!
---
### [Holiday Shopping on a Budget](https://nhfcu.org/videos/holiday-shopping-on-a-budget/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
‘Tis the season to spend less and save more! Give yourself the gift of saving money this holiday season. Trim down your expenditures by making a list … and checking it twice! Drive your sleigh around marketing gimmicks and stick to your budget. Join us for this webinar to give yourself peace of mind this holiday season and avoid starting the new year off with a mountain of debt.
“\*Rates in this video have expired.\* Please visit our website for the most up-to-date rates [nhfcu.org/rates](http://nhfcu.org/rates)
**Video types:** budget
---
### [Stress with Finances? What’s the Real Toll?](https://nhfcu.org/videos/stress-with-finances-whats-the-real-toll/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Are you stressed by finances? Did you know that financial stress can affect you in multiple ways and affect your everyday life in more ways than you could ever imagine. See the real effect of financial stress and how you can start to ease it.
---
### [Expense Savings Accounts and How They are Used](https://nhfcu.org/videos/expense-savings-accounts-and-how-they-are-used/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Saving money is always a great idea! Many of us save money for a variety of reasons – to have for emergencies, to go on vacation, holidays, car repairs, or even just to buy things we want without feeling guilty about it!
Many people find that they achieve their goal when they develop a plan to save a certain amount for a certain purpose by a certain period.
Join us for this webinar where we will talk about organizing your savings, what sub-accounts are and how they work and much more!
---
### [Basics of Savings and Credit](https://nhfcu.org/videos/basics-of-savings-and-credit/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
A great class for young adults that are just starting out. We will provide you with a basic overview of how and why it is important to save, the importance of understanding and building credit, and lastly, why is it so important to start now rather than later.
---
### [Getting out of the Paycheck-to-Paycheck Lifestyle](https://nhfcu.org/videos/getting-out-of-the-paycheck-to-paycheck-lifestyle/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Not sure where all of your money goes? Tired of working hard and not having anything to show for it? Sick of being behind on bills and accumulating debt? This is the class for you!“\*Rates in this video have expired.\* Please visit our website for the most up-to-date rates at [nhfcu.org/rates](http://nhfcu.org/rates)
---
### [Credit Score Dos and Don’ts](https://nhfcu.org/videos/credit-score-dos-and-donts/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
In this one-hour webinar, learn what makes up your credit score and the different “credit myths” that are out there. We will discuss how to find out what is on your bureaus, how to improve your credit and things that impact your score. Looking to purchase a car or a home in the future and not sure how to improve or maintain your score? This is the class for you!
“\*Rates in this video have expired.\* Please visit our website for the most up-to-date rates [nhfcu.org/rates](http://nhfcu.org/rates)
---
### [How to Vacation on a Budget](https://nhfcu.org/videos/how-to-vacation-on-a-budget/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Does wanderlust have you wondering how you can take a vacation while staying within your budget? Going on vacation does not have to break the bank. Join us to learn how to plan an affordable and memorable vacation without overspending!
**Video types:** Center for Finance & Education
---
### [How to Build a Budget](https://nhfcu.org/videos/how-to-build-a-budget/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
What do you think of when you hear the word budget? Time consuming? Restrictions? No more fun? Not the case, a budget helps you live how you want to live because you tell your money what to do! In this class we will dive into the basics of building your Zero-Based Budget (ZBB) and allocated spending plan so you can be on the offensive and make your money start working for you.
“\*Rates in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** budget, Center for Finance & Education
---
### [Types of Mortgages](https://nhfcu.org/videos/types-of-mortgages/)
**Published:** January 28, 2025
**Author:** NHFCU Staff
**Content:**
Traditional mortgage products are great, but there are a lot of different options out there. Maybe you are hoping to build, are a first-time home buyer or a veteran. Join us for this one-hour webinar where we’ll talk about the different options that you could have and why you may want to consider them.
\*\*Pre-recorded. Any rates that may appear in this video have expired\*. Please visit our website for the most up-to-date rates <https://nhfcu.org/rates/>
**Video types:** home buying
---
### [Setting Up e-statements](https://nhfcu.org/videos/e-statements/)
**Published:** May 29, 2024
**Author:** NHFCU Staff
**Content:**
DID YOU KNOW? *e-statements* are safer than paper statements? HOW IS THAT POSSIBLE? We don’t e-mail you a statement, we e-mail you a notification that it is ready to be viewed, and it is only available via your *e-branch* account. Follow these quick, simple steps to set up *e-statements* so that you will be able to view your statements via *e-branch* and not have them come in the mail. *e-statements* are more secure and give you the ability to view months and years’ worth of statements and tax forms. You will also avoid the paper statement fee.
---
### [How to Sign up for e-branch](https://nhfcu.org/videos/sign-up-for-e-branch/)
**Published:** May 29, 2024
**Author:** NHFCU Staff
**Content:**
Follow these quick and easy steps to set yourself up for FREE online banking!
With *e-branch* you will now be able to see your account balances, transfer funds, make loan payments, pay bills online out of your checking account and more.
---
### [Setting Up Alerts in Online Banking](https://nhfcu.org/videos/setting-up-alerts-in-online-banking/)
**Published:** May 29, 2024
**Author:** NHFCU Staff
**Content:**
If you set up online banking alerts you will receive text messages or emails alerting you of transactions made on your account. We have many options to choose from such as “balance reminder,” “courtesy pay occurred,” “account balance over/under a certain amount,” etc. With alerts you will have a better chance of catching and stopping potential fraud.
---
### [Turning Cards Off and On Using Mobile App](https://nhfcu.org/videos/turning-cards-off-and-on-using-mobile-app/)
**Published:** May 29, 2024
**Author:** NHFCU Staff
**Content:**
If you have lost your debit card or think it was stolen or compromised, you can turn it off in our NHFCU mobile app.
Once you have found the card you can turn it back on the app as well. This is a great way to stop or prevent fraudulent charges on your account.
**Video types:** mobile app
---
### [Getting to know the NHFCU Mobile Banking App](https://nhfcu.org/videos/getting-to-know-the-nhfcu-mobile-banking-app/)
**Published:** October 24, 2024
**Author:** NHFCU Staff
**Content:**
In this 30-minute webinar, we will take you through many of the exciting features of our Mobile Banking App! Learn how to reset your password, pay bills, make transfers, turn your debit card off/on, use Remote Deposit Capture and more!
---
### [Paying Your New Auto Loan Using Your Current Bank or Credit Union's Online Bill Pay](https://nhfcu.org/videos/paying-your-new-auto-loan-external-source/)
**Published:** May 20, 2024
**Author:** NHFCU Staff
**Content:**
Follow these quick simple steps to use the online bill pay feature at your current bank or credit union to pay your NH Federal Credit Union Auto Loan.
---
## Categories
### [News](https://nhfcu.org/category/news/)
---
## Stats Types
### [view](https://nhfcu.org/wpa-stats-type/view/)
---
### [Chrome](https://nhfcu.org/wpa-stats-type/chrome/)
---
### [Windows](https://nhfcu.org/wpa-stats-type/windows/)
---
### [Android](https://nhfcu.org/wpa-stats-type/android/)
---
### [Safari](https://nhfcu.org/wpa-stats-type/safari/)
---
### [iPhone](https://nhfcu.org/wpa-stats-type/iphone/)
---
### [Macintosh](https://nhfcu.org/wpa-stats-type/macintosh/)
---
### [Firefox](https://nhfcu.org/wpa-stats-type/firefox/)
---
### [Linux](https://nhfcu.org/wpa-stats-type/linux/)
---
### [Samsung Browser](https://nhfcu.org/wpa-stats-type/samsung-browser/)
---
### [unknown](https://nhfcu.org/wpa-stats-type/unknown/)
---
### [Android Browser](https://nhfcu.org/wpa-stats-type/android-browser/)
---
### [Amazon Silk](https://nhfcu.org/wpa-stats-type/amazon-silk/)
---
### [Fire OS](https://nhfcu.org/wpa-stats-type/fire-os/)
---
### [iPad](https://nhfcu.org/wpa-stats-type/ipad/)
---
## Video types
### [mobile app](https://nhfcu.org/video_type/mobile-app/)
---
### [Center for Finance & Education](https://nhfcu.org/video_type/center-for-finance-education/)
---
### [budget](https://nhfcu.org/video_type/budget/)
---
### [debt](https://nhfcu.org/video_type/debt/)
---
### [home buying](https://nhfcu.org/video_type/home-buying/)
---
### [heloc](https://nhfcu.org/video_type/heloc/)
---
### [home equity loan](https://nhfcu.org/video_type/home-equity-loan/)
---
### [applying](https://nhfcu.org/video_type/applying/)
---
### [loan](https://nhfcu.org/video_type/loan/)
---
### [car buying](https://nhfcu.org/video_type/car-buying/)
---
### [credit score](https://nhfcu.org/video_type/credit-score/)
---
### [fraud](https://nhfcu.org/video_type/fraud/)
---