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N.H. Community Federal Credit Union

Popular Accounts at this Credit Union

0.19%1-year CD12 Month CD
0.05%SavingsRegular Shares
0.21%CheckingHigh Yield Sharedraft

Overview / Commentary
98 Charlestown Rd
Claremont, NH 03743-5615

N.H. Community Federal Credit Union is headquartered in Claremont and is the 13th largest credit union in the state of New Hampshire. It is also the 4,250th largest credit union in the nation. It was established in 1959 and as of September of 2017, it had grown to 3 employees and 1,977 members at 1 location. N.H. Community Federal Credit Union's savings rates are 3X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Sullivan County, New Hampshire.
See current membership details

Reviews (1)

claremont union

Posted by: kellyh | May 9, 2014

I've been with NH Community Federal Credit Union for over 3 years now. I was referred by a co-worker. The customer service is always perfect. You are greeted by name when you walk through the door. I have convenient direct deposit and payroll deductions. The bank itself is pleasant and airy, and it's just the right size. I prefer a smaller hometown bank than a large city bank. Their car loans are very competitive, offering good rates on new and used cars. Their home equity loans seem to be somewhat competitive. But, their overdraft fees are very high and I don't believe they have overdraft protection to cover 'bounced' checks.' I think this is a great service to have just in case so I was a little disappointed when they didn't offer this. A few weeks ago I had to change banks because I moved and I now have this feature on my account. I haven't needed it yet, but knowing it's available is great. If I'm going to be charged $25 for a check return, at least my bank will pay the amount of the check so I avoid embarrassment.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. N.H. Community Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #12963
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD6.45%
Annual Interest Income$305.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$9.3MM$9.2MM
LoansQ3 2017vs Q3 2016$6.8MM$6.6MM
DepositsQ3 2017vs Q3 2016$8.6MM$8.5MM
Equity CapitalQ3 2017vs Q3 2016$682.00K$639.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$15.00K$17.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$102.00K$75.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$37.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

N.H. Community Federal Credit Union Savings Account Rates

1.75%--Share Secured
0.05%$1k-Regular Shares
0.05%--Club - Taxes
0.05%--Christmas Club

N.H. Community Federal Credit Union Money Market Rates

0.21%*$75k*-Money Market Account
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k | 0.17% $10k - $50k | 0.19% $50k - $75k

N.H. Community Federal Credit Union Checking Account Rates

0.21%*$75k*-High Yield Sharedraft
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k | 0.17% $10k - $50k | 0.19% $50k - $75k

N.H. Community Federal Credit Union CD Rates

0.21%$500-18 Month CD
0.19%$500-12 Month CD
0.17%$500-6 Month CD

N.H. Community Federal Credit Union Locations
Branch Office98 Charlestown RdClaremont, NH 03743-5615