New England Federal Credit Union Refinancing? Check our rates   Get help with budgeting   INTRODUCTION   COMMUNICATE   SHARE FINANCIALS   SET GOALS   CREATE A SPENDING PLAN   MERGE ACCOUNTS   REVIEW BENEFICIARIES   REFINANCE • Three factors typically affect loan interest rates: Market conditions The lender Your credit history Since your credit union is a not-for-profit cooperative, it returns any earnings to members like you through lower loan rates.

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