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New Hampshire Federal Credit Union

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New Hampshire Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at New Hampshire Federal Credit Union?

Current rates for New Hampshire Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 2.90%, Savings: 1.85%, MMA: 0.25%

Q: What CD terms does New Hampshire Federal Credit Union offer?

New Hampshire Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with New Hampshire Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

New Hampshire Federal Credit Union's CD - 12 month rates are at 3.25%, CD - 18 month rates are at 3.25%, CD - 24 month rates are at 3.25%, CD - 6 month rates are at 3.25%, CD - 60 month rates are at 2.90%. New Hampshire Federal Credit Union's savings rates are at 1.85%. New Hampshire Federal Credit Union's money market rates are at 0.25%. New Hampshire Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.49%. New Hampshire Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of New Hampshire Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates last updated and verified on 10/30/2026.

New Hampshire Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at New Hampshire Federal Credit Union? Share your experience about New Hampshire Federal Credit Union by leaving a review below, or read customer reviews before you decide to use New Hampshire Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.36%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

New Hampshire Federal Credit Union
NH Federal Credit Union

70 Airport Rd
Concord, NH 03301-5205

http://www.nhfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

New Hampshire Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate - 10 month SPECIAL	3.93%	4.00%	10 months
Min Deposit $500 Details Special certificate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
12 Month IRA Certificate	3.21%	3.25%	12 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
24 Month IRA Certificate	3.21%	3.25%	24 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 12 month	3.21%	3.25%	12 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 18 month	3.21%	3.25%	18 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 24 month	3.21%	3.25%	24 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 6 month	3.21%	3.25%	6 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
60 Month IRA Certificate	2.86%	2.90%	60 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 60 month	2.86%	2.90%	60 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 2.90% ▼ 0.50 pts · high 3.40% / low 2.90% Oct 10, 20262.90%▼ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
48 Month IRA Certificate	2.77%	2.80%	48 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 48 month	2.77%	2.80%	48 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 2.80% ▼ 0.55 pts · high 3.35% / low 2.80% Oct 10, 20262.80%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
36 Month IRA Certificate	2.67%	2.70%	36 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Certificate - 36 month	2.67%	2.70%	36 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 2.70% ▼ 0.60 pts · high 3.30% / low 2.70% Oct 10, 20262.70%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Savings Rates

Product	Rate	APY
Hero's Honors Savings Account	1.84%	1.85%
Min Balance $100,000 Details Balance: $100,000 and over; Variable rate account; Eligibility: active or retired military, first responders, medical professionals Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Hero's Honors Savings Account	0.99%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Variable rate account; Eligibility: active or retired military, first responders, medical professionals Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Hero's Honors Savings Account	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Variable rate account; Eligibility: active or retired military, first responders, medical professionals Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Hero's Honors Savings Account	0.55%	0.55%
Min Balance $1 Details Balance: $1.00 - $24,999; Variable rate account; Eligibility: active or retired military, first responders, medical professionals Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
IRA Share	0.05%	0.05%
Min Deposit $1 Details Minimum Balance: $1.00 to open/no minimum to earn dividends; Rates effective October 9, 2026; Rates could change after the account is open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Purpose Savings & Club Accounts	0.05%	0.05%
Min Deposit $1 Details Minimum Balance: $1.00 to open/no minimum to earn dividends; Rates effective October 9, 2026; Rates could change after the account is open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Share (Savings)	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Minimum Balance: $5 to open/earn dividends; Rates effective October 9, 2026; Rates could change after the account is open Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 or greater; Annual Percentage Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Annual Percentage Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Annual Percentage Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Annual Percentage Yield Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Money Market	0.05%	0.05%
Details Balance: $1.00 - $2,499; Annual Percentage Yield Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate, Closed End - First Lien	4.79%	-	4.81%	60-84 months
Details Loan To Value Ratio: 1-60%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.81% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	4.99%	-	5.01%	60-84 months
Details Loan To Value: 1-60%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.01% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - First Lien	5.29%	-	5.31%	85-120 months
Details Loan To Value Ratio: 1-60%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.80% → 5.31% ▼ 0.49 pts · high 5.80% / low 5.31% Sep 18, 20265.31%▼ from 5.80% Sep 14, 20265.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - First Lien	5.29%	-	5.31%	60-84 months
Details Loan To Value Ratio: 61-80%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.81% → 5.31% ▲ 0.50 pts · high 5.31% / low 4.81% Sep 18, 20265.31%▲ from 4.81% Sep 14, 20264.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	5.49%	-	5.50%	85-120 months
Details Loan To Value: 1-60%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	5.49%	-	5.51%	60-84 months
Details Loan To Value: 61-80%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.51% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - First Lien	5.79%	-	5.80%	85-120 months
Details Loan To Value Ratio: 61-80%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.80% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - First Lien	5.79%	-	5.81%	121-180 months
Details Loan To Value Ratio: 1-60%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.81% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Line of Credit (HELOC)	-	-	5.99%	Revolving
Details Loan To Value Ratio: 1-80%; Index + Margin: Prime +0; Discounted 5.99% APR fixed for first 12 months, then varies with WSJ Prime; Maximum APR 18% or maximum permitted by law; NHFCU checking account required; Reimburse up to $1,050 in closing costs if closed in first three years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	5.99%	-	6.00%	121-180 months
Details Loan To Value: 1-60%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.00% ▼ 0.50 pts · high 6.50% / low 6.00% Sep 18, 20266.00%▼ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	5.99%	-	6.00%	85-120 months
Details Loan To Value: 61-80%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Sep 18, 20266.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - First Lien	6.29%	-	6.30%	121-180 months
Details Loan To Value Ratio: 61-80%; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Fixed Rate, Closed End - Second Lien	6.49%	-	6.50%	121-180 months
Details Loan To Value: 61-80%; Minimum loan: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loan	-	-	5.69%	Up to 63 months
Details As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 5.29% → 5.69% ▲ 0.40 pts · high 5.69% / low 5.29% Oct 26, 20265.69%▲ from 5.39% Sep 18, 20265.39%▲ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	5.79%	64-66 months
Details As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.79% ▲ 0.30 pts · high 5.79% / low 5.49% Oct 26, 20265.79%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	5.79%	Up to 63 months
Details As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 5.29% → 5.79% ▲ 0.50 pts · high 5.79% / low 5.29% Oct 26, 20265.79%▲ from 5.39% Sep 18, 20265.39%▲ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	5.89%	64-66 months
Details As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.89% ▲ 0.40 pts · high 5.89% / low 5.49% Oct 26, 20265.89%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	6.19%	67-75 months
Details As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.19% ▲ 0.30 pts · high 6.19% / low 5.89% Oct 26, 20266.19%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	6.29%	67-75 months
Details As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.29% ▲ 0.40 pts · high 6.29% / low 5.89% Oct 26, 20266.29%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	6.69%	76-84 months
Details As Low As; Model Year: 2026-2024; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.39% → 6.69% ▲ 0.30 pts · high 6.69% / low 6.39% Oct 26, 20266.69%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	6.79%	76-84 months
Details As Low As; Model Year: 2023-2020; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.39% → 6.79% ▲ 0.40 pts · high 6.79% / low 6.39% Oct 26, 20266.79%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
New and Used Auto Loan	-	-	7.69%	Up to 63 months
Details As Low As; Model Year: 2019-2018; Purchases or Refinances; Rates effective October 22, 2026; Applicants must reside in New Hampshire; Maximum mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.29% → 7.69% ▲ 0.40 pts · high 7.69% / low 7.29% Oct 26, 20267.69%▲ from 7.29% Sep 14, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.19%	Up to 63 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
RV and Boats Loan	-	7.19%	12-63 months
Details As Low As; Model Year: 2026-2018; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	7.39%	64-66 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	7.49%	up to 42 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	7.69%	43-54 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	7.99%	55-60 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	7.99%	Up to 63 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	8.19%	64-66 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	8.19%	Up to 63 months
Details As Low As; Model Year: 2019-2018 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
RV and Boats Loan	-	8.19%	64-120 months
Details As Low As; Model Year: 2026-2018; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	8.29%	up to 42 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	8.39%	67-75 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	8.49%	43-54 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	8.49%	up to 42 months
Details As Low As; Model Year: 2019-2018 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	-	8.79%	55-60 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Motorcycle Loan	-	9.19%	67-75 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
RV and Boats Loan	-	9.19%	121-180 months
Details As Low As; Model Year: 2026-2018; Rates effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Personal Loan Rates

Product	APR	Term
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	7.49%	up to 42 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	7.69%	43-54 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	7.99%	55-60 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	8.29%	up to 42 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	8.49%	43-54 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	8.49%	up to 42 months
Details As Low As; Model Year: 2019-2018 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan	8.79%	55-60 months
Details As Low As; Model Year: 2023-2020 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Personal Loan/ Debt Consolidation	9.29%	Up to 36 months
Details As Low As; Closed-end; Maximum loan $5,000; APPLY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.29% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Personal Loan/ Debt Consolidation	9.49%	37-48 months
Details As Low As; Closed-end; Maximum loan $5,000; APPLY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Personal Loan/ Debt Consolidation	9.99%	49-60 months
Details As Low As; Closed-end; Maximum loan $5,000; APPLY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

New Hampshire Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Builder Loan	-	-	7.99%
Details All proceeds deposited to a separate savings account until the loan is paid in full.; Maximum loan: $2,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

New Hampshire Federal Credit Union’s Texas Ratio stayed near 0.24% in Q3 2023 to 0.36% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$332M	0.36%	5.0	A+
March 31, 2026	$336M	0.29%	5.0	A+
December 31, 2025	$333M	0.52%	5.0	A+
September 30, 2025	$345M	0.57%	5.0	A+
June 30, 2025	$359M	1.24%	5.0	A+
March 31, 2025	$358M	1.04%	5.0	A+
December 31, 2024	$347M	0.48%	5.0	A+
September 30, 2024	$351M	0.73%	5.0	A+
June 30, 2024	$355M	0.44%	5.0	A+
March 31, 2024	$353M	0.48%	5.0	A+
December 31, 2023	$344M	1.22%	5.0	A+
September 30, 2023	$340M	0.24%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for New Hampshire Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather New Hampshire Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with New Hampshire Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name New Hampshire Federal Credit Union

Website http://www.nhfcu.org

Address 70 Airport Rd, Concord, NH 03301-5205

Phone 603-224-7731

Fax 603-224-1042

President Heather Brown

CEO Anthony Emerson

Full-Time Employees 38

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.36%

Return on Assets (ROA)

0.5959%

Return on Equity (ROE)

4.3138%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

331,611,044

Total Amount of Shares and Deposits

275,333,078

Total Shares and Deposits < 1 Year

260,261,493

Total Shares and Deposits 1 3 Years

13,349,487

Total Shares and Deposits > 3 Years

1,722,098

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

31,835,331

Total Uninsured Shares and Deposits > $250K (F+J)

31,835,331

Total Insured Shares and Deposits > $250K (item 17 less item K)

243,497,747

Total Interest Expense (Sum of items 6 8)

1,975,766

Share Certificates

2,649

Number of Accounts for Share Drafts

4,657

IRA KEOGH Accounts

798

Number of Accounts for Regular Shares

16,963

All other shares

475

Money Market Shares

936

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,064,525

Total Liabilities

286,248,343

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

New Hampshire Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About New Hampshire Federal Credit Union

Does New Hampshire Federal Credit Union offer CDs?

Yes. New Hampshire Federal Credit Union current CD rates include its CD - 12 month at 3.25% APY, its CD - 18 month at 3.25% APY and its CD - 24 month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from New Hampshire Federal Credit Union NCUA insured?

Yes. New Hampshire Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at New Hampshire Federal Credit Union?

The highest New Hampshire Federal Credit Union CD rate is its CD - 10 month SPECIAL at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does New Hampshire Federal Credit Union offer?

New Hampshire Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD and 2.90% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with New Hampshire Federal Credit Union for its full lineup.

What is the highest savings rate at New Hampshire Federal Credit Union?

The highest New Hampshire Federal Credit Union savings rate is its Hero's Honors Savings Account at 1.85% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at New Hampshire Federal Credit Union?

The highest New Hampshire Federal Credit Union money market rate is its Money Market at 0.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at New Hampshire Federal Credit Union?

The lowest New Hampshire Federal Credit Union auto loan rate is its New and Used Auto Loan at 5.69% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at New Hampshire Federal Credit Union?

The lowest New Hampshire Federal Credit Union personal loan rate is its ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan at 7.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does New Hampshire Federal Credit Union operate?

New Hampshire Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join New Hampshire Federal Credit Union?

Yes, to access services at New Hampshire Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, New Hampshire Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, New Hampshire Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does New Hampshire Federal Credit Union offer online and mobile banking?

Most modern institutions like New Hampshire Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.nhfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do New Hampshire Federal Credit Union rates compare?

New Hampshire Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. New Hampshire Federal Credit Union's top rates are its CD - 10 month SPECIAL at 4.00% APY, its Hero's Honors Savings Account at 1.85% APY, its Money Market at 0.25% APY and its ATV, UTV, Dirtbike, Snowmobile, Personal Watercraft Loan at 7.49% APR, verified by MonitorBankRates on October 30, 2026.

Current New Hampshire Federal Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD2.90%
Savings1.85%
MMA0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

New Hampshire Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

New Hampshire Federal Credit Union Texas Ratio

New Hampshire Federal Credit Union Health Trend

New Hampshire Federal Credit Union CD Rates

New Hampshire Federal Credit Union Savings Rates

New Hampshire Federal Credit Union Money Market Rates

New Hampshire Federal Credit Union Home Equity & HELOC

New Hampshire Federal Credit Union Auto Loan Rates

New Hampshire Federal Credit Union RV, Boat and Powersport Loan Rates

New Hampshire Federal Credit Union Personal Loan Rates

New Hampshire Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

New Hampshire Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About New Hampshire Federal Credit Union

Does New Hampshire Federal Credit Union offer CDs?

Are CDs from New Hampshire Federal Credit Union NCUA insured?

What is the highest CD rate at New Hampshire Federal Credit Union?

What CD terms does New Hampshire Federal Credit Union offer?

What is the highest savings rate at New Hampshire Federal Credit Union?

What is the highest money market rate at New Hampshire Federal Credit Union?

What is the lowest auto loan rate at New Hampshire Federal Credit Union?

What is the lowest personal loan rate at New Hampshire Federal Credit Union?

How many branches does New Hampshire Federal Credit Union operate?

Is a member application needed to join New Hampshire Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does New Hampshire Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do New Hampshire Federal Credit Union rates compare?

Current New Hampshire Federal Credit Union Rates

Compare to Other Credit Unions