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Rates
Mortgages
Home Equity Line of Credit 3.99% APR*
Home Equity Loans
New & Used Vehicles, Purchases & Refis
Personal Loans
Recreational Vehicles - New & Used
Energy Efficiency & Assistance Loans
Certificates, IRA Certificates, Savings & Money Market
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Rates


Mortgages

For info on our complete range of mortgage products, including applying for federal financing programs, click here.

To apply for a mortgage, click here. Your Life. Your Home.  

Home Equity Line of Credit 3.99% APR*

  • No closing costs
  • No annual fee
  • No application fee
  • Just access to the equity in your home!

HELOC Special 3.99% APR - Fixed for 12 months!

Rates effective September 22, 2022
  Account Type  Rate  APR  Minimum Balance  Loan Amount  Maximum Loan Amount
12 Months Fixed - 3.99% APR*3.99%3.99%*$10,000 minimum credit line, but, no minimum balance required.$10,00080% Combined Loan-to-Value (CLTV)Calculator 
*HELOC discounted rate of 3.99% APR (Annual Percentage Rate) is fixed for the first 12 months. After the 12 months, the rate will vary based on the Wall Street Journal Prime Rate published on the last business day of the month. Prime Rate as of 9/22/2022 is 6.25% APR. The APR may increase after the loan is closed; maximum APR is 18% or the maximum permitted by law.
The minimum line of credit is $10,000 and the maximum line of credit is 80% Combined Loan to Value (CLTV). 
During the 10-year draw period, a Home Equity Line of Credit with a balance of $10,000 and APR of 3.99% for the first 12 billing cycles will result in 12 interest only payments of $32.79.  After the promotional period, and a variable APR of 6.25% (Prime), it would take 108 monthly interest only payments of $53.08 followed by 120 monthly payments of $112.29 during the repayment period.  No closing costs due at consummation, however if line of credit closed within three years of origination date, borrower(s) will be responsible for reimbursing the credit union for all closing costs paid by NHFCU.  This could range between $500 and $1,200.   Promotion starts 06/17/2022 and all rates, terms, and conditions are subject to change or be discontinued without notice.    A tax adviser should be consulted regarding deductibility of interest or charges for HELOCs.  HELOC is available for: 1-4 family owner-occupied primary residences or condos. Property cannot be listed for sale. Property insurance is required. Flood insurance is required if the property is in a flood zone. NHFCU may lend to members only. 
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Home Equity Loans

Choose the home equity loan that works for you:
  • Special Available June 17, 2022:  3.99% APR fixed for 12 months.  Get details here.
  • 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, no early termination 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.  

Fixed Home Equity

Rates effective June 17, 2022
  Account Type  Rate  APR  Maximum Term  Minimum Balance  Monthly Payment  Total Finance Charge  Total Payments
Fixed Rate As Low As 4.75%***4.750%5.273%*120 months$10,000$104.87$2,584.09$12,584.09Calculator 
*Annual Percentage Rate.


Home Equities available for 1-4 family owner-occupied, primary residences or condos.  Closing costs may apply.
***Fixed Rate Home Equity Loans. Annual Percentage Rate (APR) includes charges to process your loan. Other rates and terms may be available. Minimum amount is $10,000. 
Maximum loan amount is based on 80% CLTV (combined loan-to-value).

All rates and terms are subject to change without notice.  All loans are subject to credit requirements and NHFCU may lend to members only.  Property insurance is required. Flood insurance is required if the property is in a flood zone.

 
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New & Used Vehicles, Purchases & Refis

Model Years 2020 & Newer

Rates effective September 26, 2022
  Account Type  APR  Maximum Loan Amount
as low as3.49%*Up to 110% MSRP if NEW or 110% J.D. Power Used RetailCalculatorApply Now

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Model Years 2016 - 2019

Rates effective September 26, 2022
  Account Type  APR  Maximum Loan Amount
as low as3.99%*Up to 110% J.D. Power Used RetailCalculatorApply Now

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Model Years 2014-2015

Rates effective September 26, 2022
  Account Type  APR  Maximum Loan Amount
as low as5.69%*Up to 110% J.D. Power Used RetailCalculatorApply Now
*Annual Percentage Rate.  NH Federal Credit Union may lend to members only.  All loans are subject to credit requirements.  Rates and terms are subject to change without notice.  Rates not available for vehicles already financed through NH Federal Credit Union. 
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Personal Loans

Open-end Overdraft Loans (unsecured)

Rates effective September 1, 2022
  Account Type  Type  APR  Maximum Loan Amount  Minimum Payment  Comments
Overdraft/Revolving LoansOpen-end RevolvingPrime plus 7.25%*$3500$35Adjusts quarterly based on Prime Rate as published in the Wall Street Journal.
CalculatorApply Now

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Consolidation/Personal Loans

Rates effective September 1, 2022
  Account Type  Type  APR
Debt Consolidation/Personal LoansClosed-end12.9%*CalculatorApply Now

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Credit Building Loans

Rates effective September 1, 2022
Get on the right track to meeting your financial goals whether you are just starting to build credit or if you have stumbled in the past.  Our programs for first-time borrowers and credit building/rebuilding give you the opportunity to build or rebuild your credit and improve your credit score, without costing you exorbitant amounts in rates or fees.   
  Account Type  APR  Maximum Term  Comments
Share Variable2.5% over dividend rate*60 mos*Ask a Member Service Representative for details.
*Not to exceed certificate maturity date.
CalculatorApply Now
Credit And Savings Builder2.50%24 mos$3,000CalculatorApply Now
Certificate2.5% over dividend rate*Ask a Member Service Representative for details.
CalculatorApply Now
*Annual Percentage Rate.  NHFCU may lend to members only and all loans are subject to credit requirements.  Rates and terms subject to change without notice. Open-end/Overdraft Loans:  Monthly adjustable rate based on the Prime Rate in the Wall Street Journal as published on the first of each month.
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VISAŽ 25 Day Fixed Grace*

Rates effective January 1, 2013
  Account Type  APR  Maximum Loan Amount  Minimum Payment  Total Finance Charge  Total Payments
VISA Credit Card12.9%*$20,0002% of outstanding balance or $10 per $1,000Revolving AccountRevolving AccountCalculatorApply Now

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Recreational Vehicles - New & Used

Your Money.  Your Fun.

NADA Guides for Motorcycle,  ATV/UTV,  SnowmobileRV and Marine.

2014 - Current Model Year

Rates effective September 1, 2022
  Account Type  APR  Maximum Loan Amount
as low as6.99%*100% NADA RetailCalculatorApply Now
*Annual Percentage Rate.  NH Federal Credit Union may lend to members only.  All loans are subject to credit requirements.  Rates and terms are subject to change without notice.  Rates not available for vehicles already financed through NH Federal Credit Union. 
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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.   Visit the following websites to learn more about how to create a more energy efficient home and receive coupons and discounts:  
Rates effective September 1, 2022
  APR  Maximum Term  Maximum Loan Amount  Monthly Payment  Total Finance Charge  Total Payments  Comments
6.90%48 mos$2,000$23.90 for $1,000/48 months$147.33 for $1,000$1,147.33 for $1,000Talk to us about home mortgage refinancing or our fixed rate home equity loans if your energy assistance project costs exceed $2,000. 
CalculatorApply Now
All loans are subject to credit requirements and NHFCU may lend to members only.  Rates and terms are subject to change without notice. Maximum loan amount and other conditions may affect the maximum term of the loan. 
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Certificates, IRA Certificates, Savings & Money Market

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 listed below. 

Certificate Rates

Rates effective September 27, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
6 months0.30%0.30%$500.00Calculator 
12 months0.40%0.40%$500.00Calculator 
18 months0.40%0.40%$500.00Calculator 
24 months0.45%0.45%$500.00Calculator 
36 months0.55%0.55%$500.00Calculator 
48 months0.65%0.65%$500.00Calculator 
60 months0.65%0.65%$500.00Calculator 
*Members under age 18 may open certificates for 12 months or more with just $250.00.  Otherwise, the minimum to open and earn the stated dividends is $500.00. A substantial penalty is imposed for withdrawal of principal in certificates prior to maturity.  Fees could reduce earnings. Regular deposits insured to at least $250,000; by the NCUA, an agency of the Federal Government.
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IRA Certificate Rates

Rates effective September 27, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
12 months0.40%0.40%$500.00Calculator 
24 months0.45%0.45%$500.00Calculator 
36 months0.55%0.55%$500.00Calculator 
48 months0.65%0.65%$500.00Calculator 
60 months0.65%0.65%$500.00Calculator 
*Members under age 18 may open certificates for 12 months or more with just $250.00.  Otherwise, the minimum to open and earn the stated dividends is $500.00. A substantial penalty is imposed for withdrawal of principal in certificates prior to maturity.  Fees could reduce earnings. Regular deposits insured to at least $250,000; by the NCUA, an agency of the Federal Government.
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Share (Savings), Clubs, & IRA Variable Rates

Rates effective September 1, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
Shares.05%.05%$5 to open/earn dividendsCalculator 
Clubs.05%.05%$1.00 to open/no minimum to earn dividendsCalculator 
IRA Variable.05%.05%$1.00 to open/no minimum to earn dividendsCalculator 
*Rates could change after the account is open. Dividends are based on earnings and cannot be guaranteed.  Fees may reduce earnings.  Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government.  
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Money Market Share Accounts

Rates effective September 1, 2022
  Account Type  APY  Dividend Rate  Minimum Balance
Money Market less than $2,500.05%.05%< $2,500Calculator 
Money Market $2,500.10%.10%$2,500Calculator 
Money Market $25,000.15%.15%$25,000Calculator 
Money Market $50,000.20%.20%$50,000Calculator 
Money Market $100,000.25%.25%$100,000Calculator 
Rate could change after the account is open.  All rates and terms are subject to change without notice.  Dividends are based on credit union earnings and cannot be guaranteed.  Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government.  Fees could reduce earnings. 
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NMLS#: 440568
Routing#: 211489083
©2020 New Hampshire Federal
Credit Union. All rights reserved.
70 Airport Road
Concord NH 03301
(603) 224-7731
(800) 639-4039

DirectLine
(603) 224-7908
47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
71 Calef Highway
Lee, NH 03861
(603) 224-7731
(800) 639-4039
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