The NH Community Federal Credit Union

Loan Rates

Home Equity (variable rate)

Rates Effective July 20, 2022
APY = Annual Percentage Yield

Loan TypeTermRateLimits
Home Equity Loan180 Months (10 year draw period)Prime rate plus 1%Up to 80% of Equity of Home

Home Equity (fixed rate)

Rates Effective July 20, 2022
APY = Annual Percentage Yield

Loan TypeTermRateLimits
Fixed Rate Home Equity Loan180 Months (10 year draw period)6.99%Up to 80% of Equity of Home

Secured Loans

Rates Effective July 20, 2022
* Shares need to be deposited to type 15 savings accounts.

Loan TypeTermRateLimits
Share Secured - Type 16up to 60 months2.00%up to $50,000

Unsecured/Signature Loans

Rates Effective July 20, 2022

Loan TypeScoreTermRateLimits
Signature Loan, Co-maker Loan, & Un-secured LoanAup to 48 months10.00%up to $4000

New Vehicle

Rates Effective July 20, 2022
100% Financing

Loan TypeScoreTermRateLimits
New VehicleAup to 48 months4.75%up to $70,000
New VehicleAup to 78 months5.00%up to $70,000
New VehicleAup to 84 months5.25%Minimum loan $35,000 up to $70,000
New VehicleA96 months5.50%Minimum loan $50,000 up to $70,000

Used Vehicle 2020- 2022

Rates Effective July 20, 2022
NADA Clean Retail or the purchase price, whichever is lower

Loan TypeScoreTermRateLimits
2020-2022Aup to 48 months6.50%up to $60,000
2020-2022Aup to 60 months7.00%up to $60,000
2020-2022Aup to 72 months7.50%Up to $60,000

Used Vehicle 2017 – 2019

Rates Effective July 20, 2022
NADA Clean Retail or the purchase price, whichever is lower

Loan TypeScoreTermRateLimits
2017-2019Aup to 48 months7.50%up to $50,000
2017-2019Aup to 60 months8.00%up to $50,000
2017-2019Aup to 72 months8.50%Up to $50,000

Used Vehicle 2016 and Older

Rates Effective July 20, 2022
NADA CLEAN RETAIL or 95% of the purchase price, whichever is lower.

Loan TypeScoreTermRateLimits
2016 and olderAup to 36 months8.00%up to $50,000
2016 and olderAup to 48 months8.50%up to $50,000

R.V.’s, Campers, Motorhomes, Boats & Other

Rates Effective July 20, 2022
100% Financing-New RV,Campers,Motor-homes,Boats

Loan TypeTermRateLimits
New RV,Camper,Motorhomes & Boats66 - 180 monthsas low as 4.75%up to $70,000

R.V.’s, Campers, Motorhomes, Boats & Other

Rates Effective July 20, 2022
NADA Clean Retail Value or 95% of purchase price, whichever is lower

Loan TypeTermRateLimits
Used RV,Camper,Motorhomes & Boats60-96 monthsas low as 7.00%up to $60,000