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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 products

  • Vehicle Loans
    New Automobiles (2020 and Newer)
    TermAPR* (As low as)
    48 Months2.34%
    66 Months2.59%
    72 Months3.09%
    84 Months3.59%
    Used Automobiles
    TermAPR* (As low as)
    66 Months2.84%
    72 Months3.34%
    Motorcycles
    TermAPR* (As low as)
    60 Months3.99%
    66 Months4.49%
    Dirt Bikes, ATV, PWC
    TermAPR* (As low as)
    60 Months4.49%
    66 Months4.99%
    Boats
    TermAPR* (As low as)
    72 Months4.99%
    73-144 Months5.49%
    Utility Trailers, Tractors, Snowmobiles, Airplanes
    TermAPR* (As low as)
    60 Months6.99%
    61-144 Months7.49%
    Unsecured
    TermAPR* (As low as)
    60 Months8.99%
    *APR = Annual Percentage Rate. Rates may vary.
  • Credit Cards
    Visa Classic
    Credit LimitAPR* (As low as)
    $500 - $7,50010.50%
    Visa Gold
    Credit LimitAPR* (As low as)
    $5,000 - $25,0009.90%
    *APR = Annual Percentage Rate. Rates may vary.
  • Equity One - Fixed
    Loan to ValueAPR* (As low as)
    80%5.25%
    90%6.25%
    100%8.00%
    *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
    Loan to ValueAPR* (As low as)
    80%4.25%
    90%5.00%
    100%5.50%
    *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
    Account TypeDividend RateAPY*Minimum Deposit
    Regular0.05%0.05%$5
    Holiday1.05%1.05%$5
    Premier0.05%0.05%$10,000
    IRA0.05%0.05%$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
    Account TypeDividend RateAPY*Balance
    0.15%0.15%$2,500 - $9,999.99
    0.20%0.20%$10,000 - $24,999.99
    0.20%0.20%$25,000 - $49,999.99
    0.25%0.25%$50,000 or more
    Account TypeDividend RateAPY*Balance
    Investor's Advantage0.30%0.30%$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
    Account TypeDividend RateAPY*Minimum Deposit
    Interest0.03%0.03%$1,000
    Premier0.03%0.03%$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.
  • Certificates
    Savings Certificates
    TypeRateAPY*TermMinimum Deposit
    Flex Executive0.45%0.45%10 Months$100,000
    Flex Premier0.45%0.45%10 Months$10,000
    Flex Regular0.45%0.45%10 Months$1,000
    Regular1.00%1.00%5 Years$500
    Regular0.65%0.65%3 Years$500
    Regular0.55%0.55%2 Years$500
    Regular0.45%0.45%1 Year$500
    Regular0.35%0.35%6 Months$500
    Premier1.00%1.00%5 Years$10,000
    Premier0.65%0.65%3 Years$10,000
    Premier0.55%0.55%2 Years$10,000
    Premier0.45%0.45%1 Year$10,000
    Premier0.35%0.35%6 Months$10,000
    Executive1.10%1.11%5 Years$100,000
    Executive0.95%0.95%3 Years$100,000
    Executive0.55%0.55%2 Years$100,000
    Executive0.45%0.45%1 Year$100,000
    Executive0.35%0.35%6 Months$100,000
    Coverdell Education1.00%1.00%5 Years$500
    Coverdell Education0.65%0.65%3 Years$500
    Coverdell Education0.55%0.55%2 Years$500
    Coverdell Education0.45%0.45%1 Year$500
    IRA Certificates
    TypeRateAPY*TermMinimum Deposit
    Traditional1.00%1.00%5 Years$500
    Traditional0.65%0.65%3 Years$500
    Traditional0.55%0.55%2 Years$500
    Traditional0.45%0.45%1 Year$500
    Traditional Premier1.00%1.00%5 Years$10,000
    Traditional Premier0.65%0.65%3 Years$10,000
    Traditional Premier0.55%0.55%2 Years$10,000
    Traditional Premier0.45%0.45%1 Year$10,000
    Traditional Executive1.10%1.11%5 Years$100,000
    Traditional Executive0.95%0.95%3 Years$100,000
    Traditional Executive0.55%0.55%2 Years$100,000
    Traditional Executive0.45%0.45%1 Year$100,000
    Roth1.00%1.00%5 Years$500
    Roth0.65%0.65%3 Years$500
    Roth0.55%0.55%2 Years$500
    Roth0.45%0.45%1 Year$500
    Roth Premier1.00%1.00%5 Years$10,000
    Roth Premier0.65%0.65%3 Years$10,000
    Roth Premier0.55%0.55%2 Years$10,000
    Roth Premier0.45%0.45%1 Year$10,000
    Roth Executive1.10%1.11%5 Years$100,000
    Roth Executive0.95%0.95%3 Years$100,000
    Roth Executive0.55%0.55%2 Years$100,000
    Roth Executive0.45%0.45%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 may vary.
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