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

LOAN RATES
SAVINGS RATES

To Apply For a Loan

Call (800) 634-6632

How Much Can I Afford?

Calculate My Payment

Vehicle Loans

New Automobiles (2018 and newer)
New Automobiles (2018 and newer)
Term	APR* (As low as)
48 Months	3.09%
66 Months	3.34%
84 Months	4.34%

Used Automobiles
Used Automobiles
Term	APR* (As low as)
66 Months	3.59%
72 months	4.09%

Motorcycles
Motorcycles
Term	APR* (As low as)
60 Months	3.59%
66 Months	4.09%

Dirt Bikes, ATV, PWC
Dirt Bikes, ATV, PWC
Term	APR* (As low as)
60 Months	4.09%
66 Months	4.59%

Boats
Boats
Term	APR* (As low as)
72 Months	4.59%
144 Months	5.09%

Utility Trailers, Tractors, Snowmobiles, Airplanes
Utility Trailers, Tractors, Snowmobiles, Airplanes
Term	APR* (As low as)
60 Months	6.59%
72 Months	7.09%
144 Months	7.09%

Unsecured
Unsecured
Term	APR* (As low as)
60 Months	8.99%

Credit Cards

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%

Mortgages

Equity One Second Mortgage - Fixed
Equity One Second Mortgage - Fixed
Loan To Value	APR* (As low as)
80%	5.25%
90%	6.25%
100%	8.00%

Equity One - Fixed
Equity One - Fixed
Loan To Value	APR* (As low as)
80%	5.25%
90%	6.25%
100%	8.00%

Equity Reserve Line of Credit - Variable
Equity Reserve Line of Credit - Variable
Loan To Value	APR* (As low as)
80%	4.75%
90%	6.25%
100%	7.25%

Savings

Account Type	Dividend Rate	APY*	Minimum Deposit
Regular	0.20%	0.20%	$5
Holiday	1.20%	1.20%	$5
Premier	0.25%	0.25%	$10,000
IRA	0.60%	0.60%	$5

Money Market

Account Type	Dividend Rate	APY*	Balance
	0.35%	0.35%	$2,500 - $9,999.99
	0.55%	0.55%	$10,000 - $24,999.99
	0.75%	0.75%	$25,000 - $49,999.99
	0.85%	0.85%	$50,000 or more
	1.05%	1.06%	$100,000 or more

Checking

Account Type	Dividend Rate	APY*	Minimum Deposit
	0.15%	0.15%	$1,000
	0.20%	0.20%	$10,000

Certificates

Savings Certificates
Savings Certificates
Type	Rate	APY*	Term	Minimum Deposit
Flex	2.00%	2.02%	10 Months	$100,000
Flex	1.80%	1.82%	10 Months	$10,000
Flex	1.65%	1.68%	10 Months	$1,000
Regular	2.55%	2.59%	5 Years	$500
Regular	1.85%	1.88%	3 Years	$500
Regular	1.70%	1.73%	2 Years	$500
Regular	1.65%	1.68%	1 Year	$500
Regular	0.70%	0.71%	6 Months	$500
Premier	2.70%	2.73%	5 Years	$10,000
Premier	2.05%	2.07%	3 Years	$10,000
Premier	1.90%	1.92%	2 Years	$10,000
Premier	1.80%	1.82%	1 Year	$10,000
Premier	0.85%	0.85%	6 Months	$10,000
Executive	2.95%	2.99%	5 Years	$100,000
Executive	2.20%	2.22%	3 Years	$100,000
Executive	2.05%	2.07%	2 Years	$100,000
Executive	2.00%	2.02%	1 Year	$100,000
Executive	0.95%	0.95%	6 Months	$100,000
Coverdell Education	2.70%	2.73%	5 Years	$500
Coverdell Education	2.05%	2.07%	3 Years	$500
Coverdell Education	1.90%	1.92%	2 Years	$500
Coverdell Education	1.80%	1.82%	1 Year	$500

IRA Certificates
IRA Certificates
Type	Rate	APY*	Term	Minimum Deposit
Traditional	2.70%	2.73%	5 Years	$500
Traditional	2.05%	2.07%	3 Years	$500
Traditional	1.90%	1.92%	2 Years	$500
Traditional	1.80%	1.82%	1 Year	$500
Traditional Executive	2.95%	2.99%	5 Years	$100,000
Traditional Executive	2.20%	2.22%	3 Years	$100,000
Traditional Executive	2.05%	2.07%	2 Years	$100,000
Traditional Executive	2.00%	2.02%	1 Year	$100,000
Roth	2.70%	2.73%	5 Years	$500
Roth	2.05%	2.07%	3 Years	$500
Roth	1.90%	1.92%	2 Years	$500
Roth	1.80%	1.82%	1 Year	$500
Roth Executive	2.95%	2.99%	5 Years	$100,000
Roth Executive	2.20%	2.22%	3 Years	$100,000
Roth Executive	2.05%	2.07%	2 Years	$100,000
Roth Executive	2.00%	2.02%	1 Year	$100,000

*APR = Annual Percentage Rate. Rates may vary.

*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.

To Apply For a Loan

Call (800) 634-6632

How Much Can I Afford?

Calculate My Payment