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Rates

When you're considering a big financial purchase or savings option, your loan or deposit rate is a large part of the decision-making process.

HFCU's Competitive Rates

New Automobiles (2024 and Newer)
New Automobiles (2024 and Newer)
Term APR* (As low as) Estimated payment per $1000
48 Months 4.70% $22.90
66 Months 5.20% $17.46
75 Months 5.70% $15.89
84 Months 6.20% $14.71
Used Automobiles
Used Automobiles
Term APR* (As low as) Estimated payment per $1000
66 Months 5.45% $17.66
75 Months 6.25% $16.23
84 Months 7.05% $15.21
Motorcycles
Motorcycles
Term APR* (As low as) Estimated payment per $1000
66 Months 6.49% $18.40
75 Months 6.99% $16.84
Dirt Bikes, ATV, PWC
Dirt Bikes, ATV, PWC
Term APR* (As low as) Estimated payment per $1000
66 Months 6.49% $18.16
75 Months 6.99% $16.60
Boats/RV
Boats/RV
Term APR* (As low as) Estimated payment per $1000
72 Months 7.49% $17.40
144 Months 7.99% $10.90
180 Months 8.49% $9.92
Utility Trailers, Tractors, Snowmobiles
Utility Trailers, Tractors, Snowmobiles
Term APR* (As low as) Estimated payment per $1000
60 Months 9.49% $21.17
84 Months 9.99% $16.74

*APR = Annual percentage rate. Rates may vary.

Visa Classic
Visa Classic
Credit Limit APR* (As low as)
$500 - $7,500 10.50%
Visa Gold
Visa Gold
Credit Limit APR* (As low as)
$5,000 - $25,000 9.90%

*APR = Annual percentage rate. Rates may vary.

Unsecured
Unsecured
Term APR* (As low as) Estimated payment per $1,000
60 Months 11.24% $22.06
120 Months 12.24% $14.63

*APR = Annual percentage rate. Rates may vary.

Equity One - Fixed
Equity One - Fixed
Loan to Value APR* (As low as)
80% 7.25%
90% 8.25%
100% 9.25%

*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

Equity Advantage Line of Credit
Equity Advantage Line of Credit
Loan to Value APR* (As low as)
80% 7.00%
90% 7.75%
100% 8.25%

*This is a variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property.

Savings
Savings
Account Type Dividend Rate APY* Minimum Deposit
Regular 0.10% 0.10% $5
Holiday 1.10% 1.10% $0
Premier 0.25% 0.25% $10,000
IRA 0.35% 0.35% $5

*APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

Money Market
Money Market
Dividend Rate APY* Balance
0.60% 0.60% $2,500 - $9,999.99
0.70% 0.70% $10,000 - $24,999.99
0.80% 0.80% $25,000 - $49,999.99
0.90% 0.90% $50,000 or more
Investor's Advantage
Investor's Advantage
Dividend Rate APY* Balance
1.00% 1.00% $100,000 or more

*APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

Checking
Checking
Account Type Dividend Rate APY* Minimum Deposit
Interest 0.10% 0.10% $1,000
Premier 0.25% 0.25% $10,000

*APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

Savings Certificates
Savings Certificates
Account Type Dividend Rate APY* Term Minimum Deposit
Flex Executive 3.92% 4.00% 10 Months $100,000
Flex Premier 3.82% 3.90% 10 Months $10,000
Flex Regular 3.73% 3.80% 10 Months $1,000
Regular 2.41% 2.45% 5 Years $500
Regular 2.17% 2.20% 3 Years $500
Regular 3.92% 4.00% 2 Years $500
Regular 1.97% 2.00% 1 Year $500
Regular 1.87% 1.90% 6 Months $500
Premier 2.46% 2.50% 5 Years $10,000
Premier 2.22% 2.25% 3 Years $10,000
Premier 4.02% 4.10% 2 Years $10,000
Premier 2.02% 2.05% 1 Year $10,000
Premier 1.92% 1.95% 6 Months $10,000
Executive 2.51% 2.55% 5 Years $100,000
Executive 2.27% 2.30% 3 Years $100,000
Executive 4.16% 4.25% 2 Years $100,000
Executive 2.07% 2.10% 1 Year $100,000
Executive 1.97% 2.00% 6 Months $100,000
Coverdell Education
Coverdell Education
Dividend Rate APY* Term Minimum Deposit
2.41% 2.45% 5 Years $500
2.17% 2.20% 3 Years $500
2.07% 2.10% 2 Years $500
3.92% 4.00% 1 Year $500
IRA Certificates
IRA Certificates
Account Type Dividend Rate APY* Term Minimum Deposit
Traditional 2.41% 2.45% 5 Years $500
Traditional 2.17% 2.20% 3 Years $500
Traditional 2.07% 2.10% 2 Years $500
Traditional 3.92% 4.00% 1 Year $500
Traditional Premier 2.41% 2.45% 5 Years $10,000
Traditional Premier 2.17% 2.20% 3 Years $10,000
Traditional Premier 2.07% 2.10% 2 Years $10,000
Traditional Premier 4.02% 4.10% 1 Year $10,000
Traditional Executive 2.51% 2.55% 5 Years $100,000
Traditional Executive 2.27% 2.30% 3 Years $100,000
Traditional Executive 2.17% 2.20% 2 Years $100,000
Traditional Executive 4.11% 4.20% 1 Year $100,000
Roth 2.41% 2.45% 5 Years $500
Roth 2.17% 2.20% 3 Years $500
Roth 2.07% 2.10% 2 Years $500
Roth 3.92% 4.00% 1 Year $500
Roth Premier 2.41% 2.45% 5 Years $10,000
Roth Premier 2.17% 2.20% 3 Years $10,000
Roth Premier 2.07% 2.10% 2 Years $10,000
Roth Premier 4.02% 4.10% 1 Year $10,000
Roth Executive 2.51% 2.55% 5 Years $100,000
Roth Executive 2.27% 2.30% 3 Years $100,000
Roth Executive 2.17% 2.20% 2 Years $100,000
Roth Executive 4.11% 4.20% 1 Year $100,000

*APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates are effective as of 8/1/25.