APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates subject to change at any time. Fees may reduce earnings.
Effective 03/20/2023
Share Accounts
| Type | Minimum Balance | Rate | APY |
|---|---|---|---|
| Regular Shares | $100 | .05% | .05% |
| Holiday Shares | $100 | .05% | .05% |
| Special Shares | $100 | .05% | .05% |
| IRA Accumulation Shares | $5 - $9,999.99 | 0.10% | 0.10% |
| IRA Accumulation Shares | $10,000+ | 0.10% | 0.10% |
All rates quoted are anticipated rates and are subject to change without notice. Dividend rates are declared monthly or quarterly. Dividends are paid from available earnings. Fees may reduce the account balance and earnings.
Dividends are not paid on balances less than $100 in Regular Share Accounts, Special Share Accounts and Holiday Clubs.
Share Certificates & IRAs Learn More
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 6 Months (Certificates only) | $500 | 1.00% | 1.00% |
| 8 Months (CD Special) | $500 | 2.32% | 2.35% |
| 12 Months | $500 | 1.24% | 1.25% |
| 13 Months (CD Special) | $500 | 3.20% | 3.25% |
| 16 Months (CD Special) ** | $500 | 2.96% | 3.00% |
| 18 Months | $500 | 1.49% | 1.50% |
| 24 Months | $500 | 1.59% | 1.60% |
| 36 Months | $500 | 1.69% | 1.70% |
| 48 Months | $500 | 1.78% | 1.80% |
| 60 Months | $500 | 1.98% | 2.00% |
**$50,000 requirement in funds not currently with Hershey FCU
Certificate rates are guaranteed for term.
Rates and certificate terms may change without notice.
Certificates automatically renew or are transferred to a regular share account if the certificate term is no longer offered.
Early withdrawals may reduce the principal and earnings.
Account information and early withdrawal penalties are available to members upon request.
Money Market Accounts Learn More
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | 0.25% | 0.25% |
| $25,000 - $99,999.99 | 0.40% | 0.40% |
| $100,000+ | 0.50% | 0.50% |
All rates quoted are anticipated rates and are subject to change without notice.
Dividend rates are declared monthly or quarterly. Dividends are paid from available earnings.
Fees may reduce the account balance and earnings.
Dividends are not paid on balances less than $2,500 in Money Market Accounts.
Account information is available to members upon request.
Vehicle Loans Learn More
| Term of Loan | Amount Available | Lowest Available APR | Minimum Loan Amount |
|---|---|---|---|
| 1 - 36 months | 100% of MSRP, Tax, Title, Tags | 6.00% | n/a |
| 37 - 60 months | 100% of MSRP, Tax, Title, Tags | 6.25% | n/a |
| 61 - 72 months | 100% of MSRP, Tax, Title, Tags | 6.50% | $25,000 |
| 73 - 84 months | 100% of MSRP, Tax, Title, Tags | 7.00% | $25,000 |
This rate reflects the additional .25% discount on all loans with an automated payment from an active HFCU Share Draft Account or Regular Share Account.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
These rates and terms are available on new loans only. Refinancing existing HFCU loans does not qualify.
Recreational Vehicle Loans Learn More
| Loan Type | Term of Loan | Amount Available | Lowest Available APR |
|---|---|---|---|
| New Recreational Vehicles | up to 60 months | 90% LTV of purchase price | 6.24% |
| New Recreational Vehicles | 61 - 120 months | 90% LTV of purchase price | 6.24% |
| Used Recreational Vehicles | up to 84 months | 80% LTV of purchase price | 6.74% |
This rate reflects the additional .25% discount on all loans with an automated payment from an active HFCU Share Draft Account or Regular Share Account.
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
EquiLOC - Home Equity Line of Credit Learn More
| Draw Period | Amount Available | Lowest Tier Rate of WSJ Prime | Minimum Loan Amount |
|---|---|---|---|
| up to 120 months | 85% of Appraisal |
7.75% |
$5,000 |
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
The variable rate can be adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus or minus a margin.
EquiLOC Home Equity Fixed-Term Lock In Learn More
| Term of Loan | Lowest Available APR | Minimum Loan Amount |
|---|---|---|
| Up to 60 months | 5.75% | $5,000 |
| 61 - 120 months | 6.00% | $5,000 |
| 121 - 180 months | 6.50% | $5,000 |
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
The variable rate can be adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus or minus a margin.
Personal Loans
| Loan Type | Term of Loan | Amount Available | Lowest Available APR |
|---|---|---|---|
| Signature Loan | 0 - 60 months | Maximum $30,000 | 7.99% |
| Signature Line of Credit | n/a | Maximum $30,000 | WSJ Prime + 2.50% |
| Share Secured Loan | n/a | Per share balance | Share Rate + 2.0% |
This rate reflects the additional .25% discount on all loans with an automated payment from an active HFCU Share Draft Account or Regular Share Account.
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
Maximum aggregate signature and Visa loans per member is $30,000.00.
Visa Credit Cards Learn More
| Term of Loan | Amount Available | Lowest APR Available |
|---|---|---|
| 2% of Balance | Maximum $25,000 | 8.90% - 12.90% |
Other restrictions or conditions may apply.
