New Hampshire Federal Credit Union

Overview / Commentary
70 Airport Rd
Concord, NH 03301

New Hampshire Federal Credit Union is headquartered in Concord and is the 8th largest credit union in the state of New Hampshire. It is also the 945th largest credit union in the nation. It was established in 1941 and as of September of 2022, it had grown to 41 employees and 13,801 members at 3 locations. New Hampshire Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in New Hampshire Federal Credit Union is open to employees, immediate family and household members of more than 150 employer groups throughout New Hampshire, including the State of New Hampshire, many cities, towns, counties, hospitals, health care organizations, and more.
See current membership details

Reviews (4)

A true granite state value

Posted by: |

The tellers are always courteous and know my name right when I walk in. ATMs and business hours are convienent and I love being able to go to multiple other branches ATMs around the country without being charged those awful ATM fees.

Start A New Banking Relationship With... Unconscionable Fees!

OMG! I applied for membership online and requested four accounts. Because I am an out-of-state applicant, NHFCU contacted me by phone to gauge my intent, verify my eligibility, and approve my membership. After a week, the accounts still needed to be funded; NHFCU never withdrew funds from my bank for the requisite $5 membership share. After I attempted to contact NHFCU about the situation through their online contact form and the official email address for new accounts, I waited for days and received no response. Then, I initiated trial deposits from two banks to fund the primary account. Unfortunately, NHFCU charged me $50 in return item (NSF) fees in response to the external banks’ trial deposits. Finally, I called NHFCU (because online contact forms and email are useless) on 11 January 2023 and waited unsuccessfully to speak to a “customer service” representative for two hours and fifty-one minutes until the branch closed. Perhaps a complaint to the New Hampshire Department of Banking followed by a submission to the US Consumer Protection Bureau will fleetingly capture NHFCU’s attention.

50 Year Account

Posted by: |

My father was a member for almost 50 years!!! Joint account with my mom. Dad passed 6 years ago, all correct paper work given. I was Informed today that we have close the account!!!! So I am pulling every last penny out!! Extremely poor legacy account customer service ??. My dad would be so ?? upset.

Use A Different Credit Union

Posted by: |

You might as well go to a big bank if you consider NHFCU. Chose a different credit union.

My account with NHFCU went inactive and people at the bank failed to inform me properly, as they knew my address was no longer valid, as they began to charge me fees for an incorrect address, in addition to inactive account fees. The whole time, my phone number was on file and anyone with the bank could have called me and I would have taken immediate action to reactivate my account and update my address.

Instead, NHFCU chose to drain $170+ from my account in fees before closing it and sending my remaining balance to the state of New Hampshire. It was only then, after sending the amount, that I received a call from NHFCU updating me on the situation. While I was able to retrieve my balance from the state after a couple months, my repeated requests with NHFCU for refund of fees has been met with avoidance (not returning my calls, long delays in communication). When I finally flew back to NH from California, now almost a year since that phone call that my money had been sent to the state of NH, I met with a representative in-person and filled out an official request for refund, which was soon rejected without real explanation.

I view this whole experience as frustrating and disappointing, as I have always strived to support local credit unions over big banks, but this behavior is something I would expect of those big banks.


Health Grade Components

NCUA #4746
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD3.21%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$327.0MM$325.4MM
LoansQ3 2022vs Q3 2021$158.1MM$158.6MM
DepositsQ3 2022vs Q3 2021$296.0MM$284.0MM
Equity CapitalQ3 2022vs Q3 2021$29.0MM$39.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$271.00K$333.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$274.00K$99.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not New Hampshire Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

New Hampshire Federal Credit Union Savings Account Rates

0.05%--IRA Variable

New Hampshire Federal Credit Union Money Market Rates

0.25%*$100k*-Money Market Share Account
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

New Hampshire Federal Credit Union CD Rates

4.00%$5k-13 Month Choice Certificate- New Money
3.75%$500-13 Month Choice Certificate w/Checking
3.50%$5k-13 Month Choice Certificate w/Checking- New Money
0.65%$500-48 Month CD
0.65%$500-60 Month CD
0.65%$250-48 Month Youth CD
0.65%$250-60 Month Youth CD
0.55%$500-36 Month CD
0.55%$250-36 Month Youth CD
0.45%$500-24 Month CD
0.45%$250-24 Month Youth CD
0.40%$500-12 Month CD
0.40%$500-18 Month CD
0.40%$250-12 Month Youth CD
0.40%$250-18 Month Youth CD
0.30%$500-6 Month CD

New Hampshire Federal Credit Union IRA Rates

0.65%$500-48 Month IRA
0.65%$500-60 Month IRA
0.65%$250-48 Month Youth IRA
0.65%$250-60 Month Youth IRA
0.55%$500-36 Month IRA
0.55%$250-36 Month Youth IRA
0.45%$500-24 Month IRA
0.45%$250-24 Month Youth IRA
0.40%$500-12 Month IRA
0.40%$250-12 Month Youth IRA

New Hampshire Federal Credit Union Locations
Branch Office47 N Main StConcord, NH 03301-4934
Branch Office70 Airport RdConcord, NH 03301-5205
Branch Office71 Calef HwyLee, NH 03861-6737

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