Business Details
50+ Years
experience
Your Trusted Financial Partner in Manchester, NH
Since 1940, New Hampshire Postal Credit Union has dedicated itself to promoting financial well-being among postal employees and their families. Our institution was founded on the principle of providing accessible, affordable credit and fostering savings within our community. Over eight decades, we have grown to serve more than 3,500 members and manage over $50 million in assets while maintaining our core mission. We specialize in personalized financial solutions including competitive loan programs, no-fee checking accounts, and interest-bearing savings products. Our services extend to all postal employees, active or retired, who work or reside in New Hampshire, along with their family members.Our experienced team delivers 24-hour loan approvals and automated banking services to accommodate modern financial needs. Through our commitment to community growth, we continuously expand our membership base while maintaining operational transparency. Our physical branches in Manchester and Concord offer in-person assistance during extended weekday hours. We maintain rigorous financial standards while prioritizing member satisfaction through innovative digital banking tools and responsive customer service. Our legacy of trust and financial expertise positions us as one of New Hampshire's most reliable credit unions.
Services
Free Checking Accounts
Savings Accounts
Personal Loans
Auto Loans
Home Equity Loans
Online Banking
Mobile Banking
Share Accounts
Guaranteed Investment Savings
Details
- Year established: 1940
Highlights and features
- We offer 24-hour loan approval for personal and automotive financing
- Our free No-Nonsense Checking account has no monthly maintenance fees
- We provide exclusive membership benefits to postal employees and families
- Our competitive loan rates have been recognized as the best in New Hampshire
- We maintain physical branches in Manchester and Concord with extended hours
Services
Free Checking Accounts
Our No-Nonsense Checking Account provides members with a free, interest-bearing solution featuring no minimum balance requirements or monthly service charges. This account includes free initial check orders, direct deposit capabilities, and access to a MasterMoney debit card accepted at 14 million locations worldwide. Members benefit from automated transfers and 24/7 account access through our digital banking platforms.
Personal Loans
We offer competitive personal loans with annual percentage rates starting at 11.25% APR for terms up to 60 months. These unsecured loans provide quick access to funds for various personal needs with 24-hour approval processing. Our loan specialists work directly with members to determine appropriate loan amounts and repayment terms that match individual financial situations.
Auto Loans
Our auto loan program features rates starting at 5.00% APR for 60-month terms, with options for both new and used vehicle purchases. We offer refinancing opportunities for existing loans with a.25% rate reduction. The application process includes online pre-approval and personalized assistance from our lending team to ensure competitive financing solutions for members' automotive needs.
Home Equity Loans
We provide home equity lines of credit with rates starting at 7.00% APR, offering flexible access to home equity for qualified borrowers. These loans feature competitive terms for home improvements, debt consolidation, or other major expenses. Our lending professionals assist members in determining appropriate loan-to-value ratios and repayment structures that maintain financial stability.
Savings Accounts
Our savings solutions include traditional share accounts and Guaranteed Investment Savings accounts with tiered interest rates up to 1.75% APY for balances exceeding $100,000. These accounts offer liquidity with no penalty for withdrawals while maintaining competitive returns. The Share Account serves as the foundation for membership and provides 24-hour access through debit card integration.
People
Phil Fontaine, Jr.
President & CEO
Leading New Hampshire Postal Credit Union since its formative years, Phil Fontaine, Jr. brings decades of financial institution experience to oversee strategic operations and member services.
Joyce Booraem
Vice President
Joyce Booraem manages daily operations with over 25 years of credit union expertise, focusing on maintaining exceptional service standards and financial compliance.
Karen McAskill
Operations Manager
Karen McAskill oversees transaction processing and account management systems, ensuring efficient back-end operations that support the credit union's growth and member satisfaction.
Joyce Cairns
Loan Coordinator
Joyce Cairns manages loan documentation and processing workflows, maintaining accuracy in credit assessments while facilitating timely member approvals.
Alicia Watt
Consumer Lender/OPS Support
Alicia Watt provides direct lending support and operational assistance, combining customer service excellence with technical expertise in financial product delivery.
Questions
Who is eligible for membership?
Membership is open to all postal employees, active or retired, who work or live in New Hampshire, including their family members.
What loan rates do you currently offer?
We offer competitive rates including 5.00% APR for auto loans, 11.25% APR for personal loans, and home equity LOC rates starting at 7.00% APR.
How can I access my account after hours?
Our 24-hour Touch Tone Teller (866) 301-9616 provides account balances and transaction history, while CardValet enables card management at any time.
Do you offer mobile banking services?
Yes, our mobile banking app provides check deposit, account management, and CardValet features for secure, convenient 24/7 access.
What happens if I lose my debit card?
Report lost cards immediately by calling (603) 625-9032 during business hours or use the CardValet app to deactivate your card after hours.
What are your branch hours?
Manchester branch is open Monday-Friday 8:30 AM - 4:30 PM; Concord branch operates Monday and Friday 8:00 AM - 2:00 PM.
