Rates

Loan Rates – Effective Tuesday, September 2, 2014
Loan Type Rates as low as Terms/Information
New and Used Auto 60 Months 2.990% *No Payments for 90 Days!
Used Vehicle 60 months 2.990% *No Payments for 90 Days!
Motor Homes, Campers, Boats 3.500% *No Payments for 90 Days!
Personal Loan 8.900% *No Payments for 90 Days!
Home Equity Loans 3.800% *Makes American Dreams Come True!

All rates quoted above are Annual Percentage Rates (APR).

Loan Payment Example: At 3.99% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $18.43 per $1,000 borrowed.

*Perfect Fit Auto Loans currently as low as 2.99% APR with loan repayment period of 60 months and no payments for up to 90 days with approved credit.  Other rates and terms are available.  Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call NHFCU at 605-347-4527.  All loans subject to eligibility requirements.  Rates subject to change without notice.

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Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Savings Rates – Effective Monday, April 1, 2013
Account Type APY Minimum
Deposit
Minimum
Balance
SHARE SAVINGS 0.030% $25.00 $25.00
SPECIAL SAVINGS 0.030% $5.00 $0.00
CHRISTMAS SAVINGS 0.030% $5.00 $0.00
SUPER SAVER SHARE 0.030% $2,500.00 $0.00
SUPER SAVER SHARE 0.050% $2,500.00 $2,500.00
SUPER SAVER SHARE 0.100% $2,500.00 $10,000.00
MONEY MARKET 0.030% $10,000.00 $0.00
MONEY MARKET 0.100% $10,000.00 $5,000.00
MONEY MARKET 0.150% $10,000.00 $25,000.00
MONEY MARKET 0.150% $10,000.00 $50,000.00
MONEY MARKET 0.150% $10,000.00 $100,000.00
MONEY MARKET 0.150% $10,000.00 $200,000.00
PAYROLL IRA SAVINGS 0.100% $5.00 $0.00
PAYROLL IRA SAVINGS 0.200% $5.00 $10,000.00
PAYROLL IRA SAVINGS 0.200% $5.00 $25,000.00
PAYROLL IRA SAVINGS 0.350% $5.00 $50,000.00
PAYROLL IRA SAVINGS 0.350% $5.00 $100,000.00
HSA ACCOUNT 0.050% $5.00 $0.00
HSA ACCOUNT 0.050% $5.00 $1,000.00
HSA ACCOUNT 0.100% $5.00 $10,000.00
HSA ACCOUNT 0.150% $5.00 $50,000.00
HSA ACCOUNT 0.150% $5.00 $100,000.00
INTEREST CHECKING 0.000% $2,500.00 $0.00
INTEREST CHECKING 0.050% $2,500.00 $2,500.00
INTEREST CHECKING 0.050% $2,500.00 $25,000.00
INTEREST CHECKING 0.050% $2,500.00 $50,000.00
INTEREST CHECKING 0.050% $2,500.00 $100,000.00

APY = Annual Percentage Yield   APR = Annual Percentage Rate

Please read the Truth In Savings disclosures for additional information. Fees could reduce earnings on an account. See the Schedule of Fees for more information.

Certificate Rates – Effective Tuesday, September 2, 2014
Certificate Term APY Minimum Deposit
3 MONTH CERTIFICATE 0.100% $500.00
3 MONTH CERTIFICATE 0.100% $10,000.00
3 MONTH CERTIFICATE 0.100% $25,000.00
3 MONTH CERTIFICATE 0.100% $50,000.00
3 MONTH CERTIFICATE 0.100% $100,000.00
6 MO CERTIFICATE 0.200% $500.00
6 MO CERTIFICATE 0.200% $10,000.00
6 MO CERTIFICATE 0.200% $25,000.00
6 MO CERTIFICATE 0.200% $50,000.00
6 MO CERTIFICATE 0.200% $100,000.00
1 YEAR CERTIFICATE 0.250% $1,000.00
1 YEAR CERTIFICATE 0.250% $10,000.00
1 YEAR CERTIFICATE 0.250% $25,000.00
1 YEAR CERTIFICATE 0.250% $50,000.00
1 YEAR CERTIFICATE 0.250% $100,000.00
PEE WEE 2 YR CERT 0.500% $100.00
PEE WEE 2 YR CERT 0.500% $1,000.01
CU SUCCEED 2 YR CERT 0.500% $100.00
CU SUCCEED 2 YR CERT 0.500% $1,000.01
2 YEAR CERTIFICATE 0.500% $1,000.00
2 YEAR CERTIFICATE 0.500% $10,000.00
2 YEAR CERTIFICATE 0.500% $25,000.00
2 YEAR CERTIFICATE 0.500% $50,000.00
2 YEAR CERTIFICATE 0.500% $100,000.00
3 YEAR CERTIFICATE 0.700% $1,000.00
3 YEAR CERTIFICATE 0.700% $10,000.00
3 YEAR CERTIFICATE 0.700% $25,000.00
3 YEAR CERTIFICATE 0.700% $50,000.00
3 YEAR CERTIFICATE 0.700% $100,000.00
4 YEAR CERTIFICATE 0.800% $1,000.00
4 YEAR CERTIFICATE 0.800% $10,000.00
4 YEAR CERTIFICATE 0.800% $25,000.00
4 YEAR CERTIFICATE 0.800% $50,000.00
4 YEAR CERTIFICATE 0.800% $100,000.00
5 YEAR CERTIFICATE 1.000% $1,000.00
5 YEAR CERTIFICATE 0.990% $10,000.00
5 YEAR CERTIFICATE 0.990% $25,000.00
5 YEAR CERTIFICATE 0.990% $50,000.00
5 YEAR CERTIFICATE 0.990% $100,000.00

APY = Annual Percentage Yield   APR = Annual Percentage Rate

Please read the Truth In Savings disclosures for additional information. Fees could reduce earnings on an account. See the Schedule of Fees for more information.