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NEW HAMPSHIRE Rates & Review March 2026

NEW HAMPSHIRE's IRA CD 60 month rates are at 3.40%, IRA CD 48 month rates are at 3.35%, IRA CD 36 month rates are at 3.30%, IRA CD 12 month rates are at 3.25%, IRA CD 24 month rates are at 3.25%. NEW HAMPSHIRE's savings rates are at 0.05%. NEW HAMPSHIRE's money market rates are at 0.05%. NEW HAMPSHIRE's Personal Loan Rates are at 7.49%. MonitorBankRates evaluates the financial stability of NEW HAMPSHIRE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates were last updated on 03/24/2026.

NEW HAMPSHIRE 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? Share your experience about NEW HAMPSHIRE by leaving a review below, or read customer reviews before you decide to use NEW HAMPSHIRE.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.58%
Excellent Lower than avg
First Option Bank
NH Federal Credit Union
70 Airport Rd
Concord, NH 03301 5205
http://www.nhfcu.org
Member NCUA

NEW HAMPSHIRE CD Rates

Product Rate APY Term View More
IRA Certificate 60 month 3.35% 3.40% 60
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
IRA Certificate 48 month 3.30% 3.35% 48
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
IRA Certificate 36 month 3.26% 3.30% 36
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
IRA Certificate 12 month 3.21% 3.25% 12
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
IRA Certificate 24 month 3.21% 3.25% 24
Min Deposit $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%

NEW HAMPSHIRE Savings Rates

Product Rate APY View More
Hero's Honors High Yield Savings Account 1.84% 1.85%
Min Balance $100,000
Details $100,000 or greater
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High Yield Savings Accounts 1.84% 1.85%
Min Balance $100,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High-Yield Savings Account 0.99% 1.00%
Min Balance $50,000
Details $50,000 - $99,999
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High-Yield Savings Accounts 0.99% 1.00%
Min Balance $50,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High-Yield Savings Account 0.75% 0.75%
Min Balance $25,000
Details $25,000-$49,999
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High-Yield Savings Accounts 0.75% 0.75%
Min Balance $25,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Hero's Honors High Yield Savings Accounts 0.55% 0.55%
Min Balance $1
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Purpose Savings & Club Accounts 0.05% 0.05%
Min Deposit $1
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Share (Savings) 0.05% 0.05%
Min Deposit $5
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%

NEW HAMPSHIRE Money Market Rates

Product Rate APY View More
Money Market 0.25% 0.25%
Min Balance $100,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Money Market 0.20% 0.20%
Min Balance $50,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Money Market 0.15% 0.15%
Min Balance $25,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Money Market 0.10% 0.10%
Min Balance $2,500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Money Market 0.05% 0.05%
Min Balance $1
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%

NEW HAMPSHIRE Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed Rate, Closed End - First Lien 4.79% - 4.81% 60-84
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - Second Lien 4.99% - 5.01% 60-84
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - First Lien 5.29% - 5.31% 85-120
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - Second Lien 5.49% - 5.50% 85-120
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - Second Lien 5.49% - 5.51% 60-84
Details Loan To Value Ratio: 61-80%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - First Lien 5.79% - 5.80% 85-120
Details Loan To Value Ratio: 61-80%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - First Lien 5.79% - 5.81% 121-180
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Line of Credit (HELOC) - - 5.99% Revolving
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - Second Lien 5.99% - 6.00% 121-180
Details Loan To Value Ratio: 1-60%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - First Lien 6.29% - 6.30% 121-180
Details Loan To Value Ratio: 61-80%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Home Equity Fixed Rate, Closed End - Second Lien 6.49% - 6.50% 121-180
Details Loan To Value Ratio: 61-80%
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%

NEW HAMPSHIRE Personal Loan Rates

Product Rate APR View More
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 7.49%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 7.69%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 7.99%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 8.29%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 8.49%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
ATV,UTV, Dirtbike, Snowmobile, Personal Watercraft - 8.79%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Personal Loan/Debt Consolidation - 9.29%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Personal Loan/Debt Consolidation - 9.49%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%
Personal Loan/Debt Consolidation - 9.99%
Details As Low As
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.80%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for NEW HAMPSHIRE 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NEW HAMPSHIRE
Address 70 Airport Rd, Concord, NH 03301 5205
Phone 603-224-7731
Fax 603-224-1042
President James Fredyma
CEO Anthony Emerson
Full-Time Employees 38
Part-Time Employees 1
Branch Locations 2
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
0.58%
Return on Assets (ROA)
0.4131%
Return on Equity (ROE)
3.2916%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
345,191,599
Total Amount of Shares and Deposits
273,153,554
Total Shares and Deposits < 1 Year
254,195,640
Total Shares and Deposits 1 3 Years
14,550,928
Total Shares and Deposits > 3 Years
4,406,986
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,933,586
Total Uninsured Shares and Deposits > $250K (F+J)
26,933,586
Total Insured Shares and Deposits > $250K (item 17 less item K)
246,219,968
Total Interest Expense (Sum of items 6 8)
3,989,754
Share Certificates
2,711
Number of Accounts for Share Drafts
4,724
IRA KEOGH Accounts
1,032
Number of Accounts for Regular Shares
16,674
All other shares
542
Money Market Shares
993
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,523,105
Total Liabilities
302,612,020
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About NEW HAMPSHIRE

Is NEW HAMPSHIRE a safe place to deposit money?

Yes, NEW HAMPSHIRE is considered a safe financial institution. With a Texas Ratio of 0.58321665414738%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does NEW HAMPSHIRE operate?

NEW HAMPSHIRE 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?

Yes, to access services at NEW HAMPSHIRE, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does NEW HAMPSHIRE offer online and mobile banking?

Most modern institutions like NEW HAMPSHIRE 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.

Current NEW HAMPSHIRE Rates

  • 12-Month CD3.25%
  • 24-Month CD3.25%
  • 60-Month CD3.40%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.