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Rates

Home Equity Loans

You choose the home equity loan to suit your needs.  If you are looking to consolidate debt, pay off another home equity line-of-credit, or want a one-time advance, then our fixed-rate home equity loan will be right for you.  But, if you want to access your home equity loan for things like home improvement projects and tuition bills, consider our adjustable-rate home equity loan.  NH Federal Credit Union is an Equal Housing Lender.

Home Equity (No 1st Mortgage)

Rates effective July 2, 2015
  Account Type  Rate  APR
3 Year Fixed3.99%4.654%Calculator 
5 Year Fixed3.99%4.398%Calculator 
7 Year Fixed3.99%4.287%  
10 Year Fixed3.99%4.203%Calculator 

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Home Equity (2nd mortgage)

Rates effective July 2, 2015
  Account Type  Rate  APR
3 Year Fixed4.35%5.016%  
5 Year Fixed4.35%4.760%  
7 Year Fixed4.35%4.649%  
10 Year Fixed4.35%4.565%Calculator 

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Home Equity Line of Credit

Rates effective July 2, 2015
  Account Type  Rate  Monthly Payment
Adjustable Rate HELOC**Prime Rate + 0%Interest or minimum of $25 balloon payment after 10 yearsCalculator 
  *Annual Percentage Rate.  NHFCU may lend to members only.  Rates and terms are subject to change without notice.  All loans are subject to credit requirements.  Minimum loan amount $10,000.  Members can finance up to 70% of appraised value or 75% if NHFCU holds first lien.  Closing costs incurred and may vary based on lien position.  Fees include: $90 origination charge, $11 life of loan flood certification, $35 doc prep, $550 Settlement Closing fee, $55 underwriting and home appraisal.  Loan rate discounts are not applicable to home equity loans.  HELOC rate adjusts on the first day of the month based on Prime Rate plus 0 as published in the Wall Street Journal. Floor rate of 8.00% with a maximum rate of 18%.       
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Concord NH 03301
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Durham, NH 03824
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47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
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