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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 (2019 and Newer)
    TermAPR* (As low as)
    48 Months2.94%
    66 Months3.19%
    72-75 Months3.69%
    84 Months4.19%
    Used Automobiles
    TermAPR* (As low as)
    66 Months3.44%
    72 Months3.94%
    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.
  • Mortgages
    Equity One - Fixed
    Loan to ValueAPR* (As low as)
    80%5.25%
    90%6.25%
    100%8.00%
    Equity Advantage Line of Credit
    Loan to ValueAPR* (As low as)
    80%4.25%
    90%5.00%
    100%5.50%
    *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.

    **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
    Regular0.15%0.15%$5
    Holiday1.15%1.15%$5
    Premier0.15%0.15%$10,000
    IRA0.35%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
    Account TypeDividend RateAPY*Balance
    0.45%0.45%$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 Advantage1.00%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
    Account TypeDividend RateAPY*Minimum Deposit
    Interest0.15%0.15%$1,000
    Premier0.15%0.15%$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 Executive1.85%1.87%10 Months$100,000
    Flex Premier1.70%1.71%10 Months$10,000
    Flex Regular1.60%1.61%10 Months$1,000
    Regular2.00%2.02%5 Years$500
    Regular1.80%1.81%3 Years$500
    Regular1.70%1.71%2 Years$500
    Regular1.60%1.61%1 Year$500
    Regular0.70%0.70%6 Months$500
    Premier2.35%2.38%5 Years$10,000
    Premier1.90%1.92%3 Years$10,000
    Premier1.80%1.81%2 Years$10,000
    Premier1.70%1.71%1 Year$10,000
    Premier0.90%0.90%6 Months$10,000
    Executive2.45%2.48%5 Years$100,000
    Executive1.95%1.97%3 Years$100,000
    Executive1.90%1.92%2 Years$100,000
    Executive1.85%1.87%1 Year$100,000
    Executive0.95%0.95%6 Months$100,000
    Coverdell Education2.00%2.02%5 Years$500
    Coverdell Education1.80%1.81%3 Years$500
    Coverdell Education1.70%1.71%2 Years$500
    Coverdell Education1.60%1.61%1 Year$500
    IRA Certificates
    TypeRateAPY*TermMinimum Deposit
    Traditional2.00%2.02%5 Years$500
    Traditional1.80%1.81%3 Years$500
    Traditional1.70%1.71%2 Years$500
    Traditional1.60%1.61%1 Year$500
    Traditional Premier2.35%2.38%5 Years$10,000
    Traditional Premier1.90%1.92%3 Years$10,000
    Traditional Premier1.80%1.81%2 Years$10,000
    Traditional Premier1.70%1.71%1 Year$10,000
    Traditional Executive2.45%2.48%5 Years$100,000
    Traditional Executive1.95%1.97%3 Years$100,000
    Traditional Executive1.90%1.92%2 Years$100,000
    Traditional Executive1.85%1.87%1 Year$100,000
    Roth2.00%2.02%5 Years$500
    Roth1.80%1.81%3 Years$500
    Roth1.70%1.71%2 Years$500
    Roth1.60%1.61%1 Year$500
    Roth Premier2.35%2.38%5 Years$10,000
    Roth Premier1.90%1.92%3 Years$10,000
    Roth Premier1.80%1.81%2 Years$10,000
    Roth Premier1.70%1.71%1 Year$10,000
    Roth Executive2.45%2.48%5 Years$100,000
    Roth Executive1.95%1.97%3 Years$100,000
    Roth Executive1.90%1.92%2 Years$100,000
    Roth Executive1.85%1.87%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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