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 (2017 and newer)
New Automobiles (2017 and newer)
Term	APR* (As low as)
48 Months	3.24%
66 Months	3.49%
84 Months	4.49%

Used Automobiles
Used Automobiles
Term	APR* (As low as)
66 Months	3.74%
72 months	4.24%

Motorcycles
Motorcycles
Term	APR* (As low as)
60 Months	3.49%
66 Months	3.99%

Dirt Bikes, ATV, PWC
Dirt Bikes, ATV, PWC
Term	APR* (As low as)
60 Months	3.99%
66 Months	4.49%

Boats
Boats
Term	APR* (As low as)
72 Months	4.99%
144 Months	5.49%

Utility Trailers, Tractors, Snowmobiles, Airplanes
Utility Trailers, Tractors, Snowmobiles, Airplanes
Term	APR* (As low as)
60 Months	6.99%
72 Months	6.99%
144 Months	7.49%

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%	5.00%
90%	6.25%
100%	7.25%

Savings

Account Type	Dividend Rate	APY*	Minimum Deposit
Regular	0.25%	0.25%	$5
Holiday	1.25%	1.25%	$5
Premier	0.30%	0.30%	$10,000
IRA	0.65%	0.65%	$5

Money Market

Account Type	Dividend Rate	APY*	Balance
	0.45%	0.45%	$2,500 - $9,999.99
	0.70%	0.70%	$10,000 - $24,999.99
	0.95%	0.95%	$25,000 - $49,999.99
	1.10%	1.11%	$50,000 or more
	1.30%	1.31%	$100,000 or more

Checking

Account Type	Dividend Rate	APY*	Minimum Deposit
	0.20%	0.20%	$1,000
	0.25%	0.25%	$10,000

Certificates

Savings Certificates
Savings Certificates
Type	Rate	APY*	Term	Minimum Deposit
Flex	2.25%	2.27%	10 Months	$100,000
Flex	2.00%	2.02%	10 Months	$10,000
Flex	1.80%	1.83%	10 Months	$1,000
Regular	2.70%	2.74%	5 Years	$500
Regular	2.00%	2.03%	3 Years	$500
Regular	1.85%	1.88%	2 Years	$500
Regular	1.80%	1.83%	1 Year	$500
Regular	0.85%	0.87%	6 Months	$500
Premier	2.90%	2.94%	5 Years	$10,000
Premier	2.25%	2.27%	3 Years	$10,000
Premier	2.10%	2.12%	2 Years	$10,000
Premier	2.00%	2.02%	1 Year	$10,000
Premier	1.05%	1.06%	6 Months	$10,000
Executive	3.20%	3.25%	5 Years	$100,000
Executive	2.45%	2.48%	3 Years	$100,000
Executive	2.30%	2.32%	2 Years	$100,000
Executive	2.25%	2.27%	1 Year	$100,000
Executive	1.20%	1.21%	6 Months	$100,000
Coverdell Education	2.90%	2.94%	5 Years	$500
Coverdell Education	2.25%	2.27%	3 Years	$500
Coverdell Education	2.10%	2.12%	2 Years	$500
Coverdell Education	2.00%	2.02%	1 Year	$500

IRA Certificates
IRA Certificates
Type	Rate	APY*	Term	Minimum Deposit
Traditional	2.90%	2.94%	5 Years	$500
Traditional	2.25%	2.27%	3 Years	$500
Traditional	2.10%	2.12%	2 Years	$500
Traditional	2.00%	2.02%	1 Year	$500
Traditional Executive	3.20%	3.25%	5 Years	$100,000
Traditional Executive	2.45%	2.48%	3 Years	$100,000
Traditional Executive	2.30%	2.32%	2 Years	$100,000
Traditional Executive	2.25%	2.27%	1 Year	$100,000
Roth	2.90%	2.94%	5 Years	$500
Roth	2.25%	2.27%	3 Years	$500
Roth	2.10%	2.12%	2 Years	$500
Roth	2.00%	2.02%	1 Year	$500
Roth Executive	3.20%	3.25%	5 Years	$100,000
Roth Executive	2.45%	2.48%	3 Years	$100,000
Roth Executive	2.30%	2.32%	2 Years	$100,000
Roth Executive	2.25%	2.27%	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