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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 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 Second Mortage - Fixed
    Loan to ValueAPR* (As low as)
    80%5.25%
    90%6.25%
    100%8.00%
    Equity One - Fixed
    Loan to ValueAPR* (As low as)
    80%5.25%
    90%6.25%
    100%8.00%
    Equity Advantage Line of Credit - Fixed
    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
    Regular0.25%0.25%$5
    Holiday1.25%1.25%$5
    Premier0.30%0.30%$10,000
    IRA0.65%0.65%$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
    0.95%0.95%$25,000 - $49,999.99
    1.10%1.11%$50,000 or more
    Investor's Advantage1.30%1.32%$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
    Interest0.20%0.20%$1,000
    Premier0.25%0.25%$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 Executive2.25%2.27%10 Months$100,000
    Flex Premier2.00%2.02%10 Month$10,000
    Flex Regular1.80%1.83%10 Months$1,000
    Regular2.70%2.74%5 Years$500
    Regular2.00%2.03%3 Years$500
    Regular1.85%1.88%2 Years$500
    Regular1.80%1.83%1 Year$500
    Regular0.85%0.85%6 Months$500
    Premier2.90%2.94%5 Years$10,000
    Premier2.25%2.27%3 Years$10,000
    Premier2.10%2.12%2 Years$10,000
    Premier2.00%2.02%1 Year$10,000
    Premier1.05%1.06%6 Months$10,000
    Executive3.20%3.25%5 Years$100,000
    Executive2.45%2.48%3 Years$100,000
    Executive2.30%2.32%2 Years$100,000
    Executive2.25%2.27%1 Year$100,000
    Executive1.20%1.21%6 Months$100,000
    Coverdell Education2.90%2.94%5 Years$500
    Coverdell Education2.25%2.27%3 Years$500
    Coverdell Education2.10%2.12%2 Years$500
    Coverdell Education2.00%2.02%1 Year$500
    IRA Certificates
    TypeRateAPY*TermMinimum Deposit
    Traditional2.90%2.94%5 Years$500
    Traditional2.25%2.27%3 Years$500
    Traditional2.10%2.12%2 Years$500
    Traditional2.00%2.02%1 Year$500
    Traditional Executive3.20%3.25%5 Years$100,000
    Traditional Executive2.45%2.48%3 Years$100,000
    Traditional Executive2.30%2.32%2 Years$100,000
    Traditional Executive2.25%2.27%1 Year$100,000
    Roth2.90%2.94%5 Years$500
    Roth2.25%2.27%3 Years$500
    Roth2.10%2.12%2 Years$500
    Roth2.00%2.02%1 Year$500
    Roth Executive3.20%3.25%5 Years$100,000
    Roth Executive2.45%2.48%3 Years$100,000
    Roth Executive2.30%2.32%2 Years$100,000
    Roth Executive2.25%2.27%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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