Personal Loans

Personal Loans

Fixed Term Loans & Personal Loans 

Meet your financial goals whether you are just starting to build credit or if you have stumbled in the past.  Our programs for first-time borrowers and credit building/rebuilding give you the opportunity to build or rebuild your credit and improve your credit score, without costing you exorbitant amounts in rates or fees.   Personal/Consolidation Loans: Your rate and amount(s) financed are determined by your personal credit history.

If you are looking to borrow money for a special item or project, get fast answers and money-saving rates with our personal loans. 

 

Energy Efficiency & Assistance Loans  

Are you looking to upgrade your home heating/cooling systems or appliances for energy efficiency?  Are you looking for assistance with unanticipated expenses related to your home heating or utility bills?  Talk to us about our latest service designed to assist you with saving money – on the home front as well as on the loan front.     

NH Federal Credit Union is an Equal Housing Lender. Contact us for more available rates and terms today at 603-224-7731 ext. 506 or email us at mortgage@nhfcu.org 

Consolidation/Personal Loans

When you know what you want and what you need but, just need a boost to make it happen - turn to us. We are here to get you where you see yourself, with the funds you need to help you on your way.
Rates effective May 1, 2025.

Account TypeTypeTerm
(months)
APR* as low as
Personal Loan/ Debt ConsolidationClosed-endUp to 369.29%APPLY
37-489.49%APPLY
49-609.99%APPLY

Estimated Payment: A $1,000 loan at 9.29% APR for 36 months results in a monthly payment of $32, with total finance charges of $150, for total payments of $1,150.

Loans secured by savings or certificate (commonly referred to as CDs)

Have you been able to save money, but prefer to let it continue earning dividends? This is the lowest-cost personal loan - just borrow against your own funds! Rates effective May 1, 2025.

Account TypeTypeMaximum TermAPR*Apply
Savings or certificate secured personal loanClosed-end60 months2.5% Above dividend rate being earned on secured accountAPPLY

Estimated Payment: A $1,000 loan at 2.55% APR for 60 months results in a monthly payment of $18, with total finance charges of $65, for total payments of $1,065. The rate used in this example is based on money secured in a .05% APY savings account.

Energy Efficiency & Assistance Loans

Are you looking to install a new heating or cooling system or purchasing energy-efficient appliances in your home?  Do you need assistance with unanticipated expenses related to your home heating or utility bills?  Or maybe you want to install new windows, doors or insulation?  Talk to us about our Energy Assistance and Efficiency loans.  Here are some other sites to visit for savings:

CLICK HERE TO APPLY.

Energy Efficiency & Assistance Loans

Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $5,000. Rates effective May 1, 2025.

Term
(Months)
APR*
As Low As
Maximum
Loan
Up to 368.79%*$5,000Apply
37-488.99%$5,000Apply
49-609.49%$5,000Apply
  • 100% of loan must be used for the purchase of Energy Efficient Products
  • Installation costs can be included

Estimated Payment example:  a $1,000 for 36 months at 8.79% APR* will result in a monthly payment of $32 with a total finance charge of $141 for total monthly payments of $1,141.

*Annual Percentage Rate.  Rates & terms are subject to change without notice.  Your rate and amounts financed are determined by your personal credit history. All loans are subject to credit approval; other terms and conditions may apply.  NHFCU may lend to members only.

Maximum loan amount and other conditions may affect the maximum term of the loan.

Credit Builder Loan

 

Credit Builder Loan

Get on the right track to meeting your financial goals whether you are just starting to build credit or if you have stumbled in the past. Our programs for first-time borrowers and credit building/rebuilding give you the opportunity to build or rebuild your credit and improve your credit score, without costing you exorbitant amounts in rates or fees.

Rates effective May 1, 2025.

Account TypeAPR*CommentsApply
Credit Builder Loan7.99%*All proceeds deposited to a separate savings account until the loan is paid in full.APPLY

Estimated Payment: A $1,000 loan at 7.99% APR for 24 months results in a monthly payment of $45, with total finance charges of $85, for total payments of $1,085.

*Annual Percentage Rate.  Payment examples are approximate. NHFCU may lend to members only and all loans are subject to credit requirements.  Rates and terms subject to change without notice.

News, Alerts, and Events

Employee of the Quarter – Ed Hieber

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

Read more April 24, 2025
The Early Bird Gets the Worm. Start the HELOC application process today!

Home equity loans allow you to borrow money based on the value of your home to make home improvements or finance other large

Read more February 21, 2025
Happy Retirement to Branch Manager Val Anderson

Congratulations to Valerie (Val) Anderson on her retirement! Val joined NHFCU in 2024 after spending more than 20+ years in the banking and finance

Read more February 14, 2025
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NHFCU – Capital Area’s Favorite Credit Union
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