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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 Months2.54%
    66 Months2.79%
    72 Months3.29%
    84 Months3.79%
    Used Automobiles
    TermAPR* (As low as)
    66 Months3.04%
    72 Months3.54%
    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
    Regular0.15%0.15%$5
    Holiday1.15%1.15%$5
    Premier0.15%0.15%$10,000
    IRA0.15%0.15%$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
    0.35%0.35%$2,500 - $9,999.99
    0.50%0.50%$10,000 - $24,999.99
    0.60%0.60%$25,000 - $49,999.99
    0.70%0.70%$50,000 or more
    Account TypeDividend RateAPY*Balance
    Investor's Advantage0.75%0.75%$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 Executive1.60%1.61%10 Months$100,000
    Flex Premier1.45%1.46%10 Months$10,000
    Flex Regular1.35%1.35%10 Months$1,000
    18 Month1.75%1.76%18 Months$500
    Regular1.75%1.76%5 Years$500
    Regular1.55%1.56%3 Years$500
    Regular1.46%1.46%2 Years$500
    Regular1.35%1.35%1 Year$500
    Regular0.45%0.45%6 Months$500
    Premier1.85%1.87%5 Years$10,000
    Premier1.65%1.66%3 Years$10,000
    Premier1.55%1.56%2 Years$10,000
    Premier1.45%1.46%1 Year$10,000
    Premier0.65%0.65%6 Months$10,000
    Executive1.95%1.97%5 Years$100,000
    Executive1.70%1.71%3 Years$100,000
    Executive1.65%1.66%2 Years$100,000
    Executive1.60%1.61%1 Year$100,000
    Executive0.70%0.70%6 Months$100,000
    Coverdell Education1.75%1.76%5 Years$500
    Coverdell Education1.55%1.56%3 Years$500
    Coverdell Education1.46%1.46%2 Years$500
    Coverdell Education1.35%1.35%1 Year$500
    IRA Certificates
    TypeRateAPY*TermMinimum Deposit
    Traditional1.75%1.76%5 Years$500
    Traditional1.55%1.56%3 Years$500
    Traditional1.46%1.46%2 Years$500
    Traditional1.35%1.35%1 Year$500
    Traditional Premier1.85%1.87%5 Years$10,000
    Traditional Premier1.65%1.66%3 Years$10,000
    Traditional Premier1.55%1.56%2 Years$10,000
    Traditional Premier1.45%1.46%1 Year$10,000
    Traditional Executive1.95%1.97%5 Years$100,000
    Traditional Executive1.70%1.71%3 Years$100,000
    Traditional Executive1.65%1.66%2 Years$100,000
    Traditional Executive1.60%1.61%1 Year$100,000
    Roth1.75%1.76%5 Years$500
    Roth1.55%1.56%3 Years$500
    Roth1.46%1.46%2 Years$500
    Roth1.35%1.35%1 Year$500
    Roth Premier1.85%1.87%5 Years$10,000
    Roth Premier1.65%1.66%3 Years$10,000
    Roth Premier1.55%1.56%2 Years$10,000
    Roth Premier1.45%1.46%1 Year$10,000
    Roth Executive1.95%1.97%5 Years$100,000
    Roth Executive1.70%1.71%3 Years$100,000
    Roth Executive1.65%1.66%2 Years$100,000
    Roth Executive1.60%1.61%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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