NHFCU Logo
NHFCU eBranch e-branch Tips, Tricks & our Mobile App
Rates | Apply Now | News | Calculators | Fraud & Security
Home Services Mortgages Centers for Finance & Education Your Money 24/7 Join NHFCU Contact Us/Hours/Locations
Rates
Mortgages - Jumbo rates are as low as regular rates!
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
TELL A FRIEND
PRINT THIS PAGE

Rates


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!
Apply Now

HELOC Special 3.99% APR - Fixed for 12 months!

Rates effective June 17, 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 6/15/2022 is 4.75% 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 an APR of 3.99% for the first 12 billing cycles will result in 12 interest only payments of $32.79.  After the promotional period,
if you took a single $10,000 advance and the annual percentage rate were 4.75%, it would take 20 years to pay off the advance if you made only the minimum payment. During the draw period you would make 120 monthly payments of $39.04, followed by 120 monthly payments of $104.87 during the repayment period.  No closing costs at consummation, however member will be responsible for up to $900.00 in closing costs if the loan is paid off and closed in the first three years. 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. 
Promotion starts 06/17/2022 and all rates, terms, and conditions are subject to change or be discontinued without notice.   
return to top Return to top


Sign Up to Receive Emails from New Hampshire Federal Credit Union:    
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
Site Map | Careers | Privacy Policy | Publications | Contact Us/Hours/Locations
Some documents on this website are in PDF format and may requre a PDF reader, you can download Adobe Reader here. For additional accessibility you can also download assistive technology plugins and software here. More about website accessibility. 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/StolenVISA Debit Cards: In U.S. (800) 472-3272 Outside U.S. (410) 581-9994 (collect)