Skip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 7/30/2018. Fees may reduce earnings.

Share Accounts

Type Minimum Balance Rate APY
Regular Shares $100 0.10% 0.10%
Holiday Shares $100 0.10% 0.10%
Special Shares $100 0.10% 0.10%
IRA Accumulation Shares $5 - $9,999.99 0.15% 0.15%
IRA Accumulation Shares $10,000+ 0.15% 0.15%

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 & IRAsLearn More

Term Minimum Balance Rate APY
6 Months (Certificates only) $500 0.20% 0.20%
12 Months $500 0.30% 0.30%
18 Months $500 0.35% 0.35%
24 Months $500 0.45% 0.45%
36 Months $500 0.60% 0.60%
48 Months $500 1.19% 1.20%
60 Months $500 1.44% 1.45%

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 AccountsLearn More

Balance Rate APY
$2,500 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $99,999.99 0.20% 0.20%
$100,000+ 0.20% 0.20%

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 LoansLearn More

Term of Loan Amount Available Lowest Available APR Minimum Loan Amount
1 - 36 months 100% of MSRP, Tax, Title, Tags 2.24% n/a
37 - 60 months 100% of MSRP, Tax, Title, Tags 2.99% n/a
61 - 72 months 100% of MSRP, Tax, Title, Tags 3.49% $25,000
73 - 84 months 100% of MSRP, Tax, Title, Tags  4.74% $30,000

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 LoansLearn More

Loan Type Term of Loan Amount Available Lowest Available APR
New Recreational Vehicles up to 60 months 90% LTV of NADA 6.24%
New Recreational Vehicles 61 - 120 months 90% LTV of NADA 6.74%
Used Recreational Vehicles up to 84 months 80% LTV of NADA 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.

Real Estate 70% Equity - 1st LienLearn More

Term of Loan Lowest Available APR Minimum Loan Amount
up to 60 months 2.99% $5,000
61 - 120 months 3.49% $5,000
121 - 180 months 3.49% $5,000

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.
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.

Real Estate 80% Equity - 1st LienLearn More

Term of Loan Lowest Available APR Minimum Loan Amount
up to 60 months 2.99% $5,000
61 - 120 months 3.49% $5,000
121 - 180 months 3.49% $5,000

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.
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.

Real Estate 70% Equity - Subordinate LienLearn More

Term of Loan Lowest Available APR Minimum Loan Amount
up to 60 months 3.49% $5,000
61 - 120 months 4.24% $5,000
121 - 180 months 4.24% $5,000

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.
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.

Real Estate 80% Equity - Subordinate LienLearn More

Term of Loan Lowest Available APR Minimum Loan Amount
up to 60 months 3.49% $5,000
61 - 120 months 4.24% $5,000
121 - 180 months 4.24% $5,000

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.
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.

Real Estate Equity Line of CreditLearn More

Term of Loan Amount Available Lowest Available APR Minimum Loan Amount
up to 120 months 70% of Appraisal 4.75% $5,000
up to 120 months 80% of Appraisal 5.00% $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.

Personal Loans

Loan Type Term of Loan Amount Available Lowest Available APR
Signature Loan 0 - 12 months Maximum $30,000 8.74%
Signature Loan 13 - 24 months Maximum $30,000 9.74%
Signature Loan 25 - 36 months Maximum $30,000 10.49%
Signature Loan 37 - 60 months Maximum $30,000 10.74%
Signature Line of Credit n/a Maximum $30,000 9.00%
Share Secured Loan n/a Per share balance Term SD + 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 CardsLearn More

Term of Loan Amount Available Lowest APR Available
2% of Balance Maximum $25,000 8.90% - 15.90%