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Rates

Savings Rates


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government  NCUA, National Credit Union Administration, a US Government Agency


Regular Shares

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
Regular Shares.05%0.050012%$1,000 and above$25.00   
  0.000.00%$25.00$25.00   

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Club - Taxes

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
Club - Taxes.05%.050012%N/AN/A   
APY = Annual Percentage Yield
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Share Secured

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Opening Deposit
Share Secured0.050.050012N/A   

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Christmas Club

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
Christmas Club.05%.050012%N/AN/A   

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Regular Sharedraft

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
Regular Sharedraft0.00%0.00%N/AN/A   

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DBA Sharedraft

Rates effective October 16, 2018
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
DBA Sharedraft0.00%0.00%N/AN/A   

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High Yield Sharedraft

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
High Yield Sharedraft.21%0.210202%$75,000 + up N/A   
  .19%0.190166%$50,000 - $74,999N/A   
  .17%0.170133%$10,000 - $49,999N/A   
  .15%0.150103%$2,500 - $9,999N/A   
  .10%0.100459%0 -$2,499N/A   

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Money Market Accounts

Rates effective September 24, 2019
Savings RatesDividendAPYMinimum Required BalanceMinimum Opening Deposit
Money Market Account.21%.210202%$75,000 and upN/A   
  .19%.190166%$50,000 - $74,999N/A   
  .17%.170133%$10,000 - $49,999N/A   
  .15%.150103%$2,500 - $9,999N/A   
  .10%.100459%0 - $2,499N/A   

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Certificate of Deposits

Rates effective April 26, 2019
Savings RatesTermDividendRateLimitsMinimum Opening Deposit
Certificate of DepositNot available at this time1.257186%1.25%Penalty for early withdrawal$500   
  Not available at this time1.004596%1.00%Penalty for early withdrawal$500   
  Not available at this time0.752584%0.75%Penalty for early withdrawal$500   

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Loan Rates

Home Equity (variable rate)

Rates effective September 24, 2019
Loan TypeTermRateLimits
Home Equity Loans180 Months (10 year draw period)Prime rate plus 1%up to 80% of equity of home   

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Home Equity (fixed rate)

Rates effective September 24, 2019
Loan TypeTermRateLimits
Fixed Rate Home Equity180 Months (10 year draw period)6.99%up to 80% of Equity in Home   

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Secured & Unsecured Personal Loans

Secured Loans

Rates effective September 18, 2018
Loan TypeTermRateLimits
Share Secured - Type 16up to 60 months2.00%up to $50,000   
* Shares need to be deposited to type 15 savings accounts.
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Unsecured/Signature Loans

Rates effective September 18, 2018
Loan TypeScoreTermRateLimits
Signature Loan, Co-maker Loan, & Un-secured LoanAup to 48 months8.50% up to $4000   

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Vehicle Loans

New Vehicle

Rates effective September 24, 2019


Loan TypeScoreTermRateLimits
New VehicleAup to 48 months2.00%up to $60,000   
  Aup to 66 months2.50%up to $60,000   
  Aup to 78 months3.00%up to $60,000   
  Aup to 84 months3.50%up to $60,000   
100% Financing
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Used Vehicle

Rates effective September 24, 2019
Loan TypeScoreTermRateLimits
2018-2020Aup to 48 months4.00%up to $50,000   
  Aup to 60 Months5.00%up to $50,000   
  Aup to 72 months6.00%up to $50,000   
NADA Clean Retail or the purchase price, whichever is lower.
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Used Vehicle

Rates effective September 18, 2018
Loan TypeScoreTermRateLimits
2015-2017Aup to 48 Months5.00%up to $50,000   
  Aup to 60 months6.00%up to $50,000   
  Aup to 72 Months7.00%up to $50,000   

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Used Vehicle

Rates effective September 24, 2019
Loan TypeScoreTermRateLimits
2014 and olderAup to 36 months6.00%up to $50,000   
  Aup to 48 months7.00%up to $50,000   
NADA CLEAN RETAIL or 95% of the purchase price, whichever is lower.
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R.V.'s, Campers, Motorhomes, Boats & Other

100% Financing-New RV,Campers,Motorhomes,Boats

Rates effective September 18, 2018


Loan TypeTermRateLimits
New RV,Camper,Motorhomes & Boats60 - 180 monthsas low as 3.25%up to $60,000   

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Used-RV,Campers,Motorhomes,Boats

Rates effective September 24, 2019 
Loan TypeTermRateLimits
Used RV,Camper,Motorhome & Boat60-96 monthsas low as 4.50%up to $60,000    
NADA Clean Retail Value or 95% of purchase price, whichever is lower
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PO Box 1150, 98 Charlestown Road
Claremont, NH 03743-1150
NMLS ID for N.H. Community Federal Credit Union - 812735
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