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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 (2017 and newer)
    Term APR* (As low as)
    48 Months 3.24%
    66 Months 3.49%
    84 Months 4.49%
    Used Automobiles
    Term APR* (As low as)
    66 Months 3.74%
    72 months 4.24%
    Motorcycles
    Term APR* (As low as)
    60 Months 3.49%
    66 Months 3.99%
    Dirt Bikes, ATV, PWC
    Term APR* (As low as)
    60 Months 3.99%
    66 Months 4.49%
    Boats
    Term APR* (As low as)
    72 Months 4.99%
    144 Months 5.49%
    Utility Trailers, Tractors, Snowmobiles, Airplanes
    Term APR* (As low as)
    60 Months 6.99%
    72 Months 6.99%
    144 Months 7.49%
    Unsecured
    Term APR* (As low as)
    60 Months 8.99%
  •  Credit Cards
    VISA Classic
    Credit Limit APR* (As low as)
    $500 - $7,500 10.50%
    VISA Gold
    Credit Limit APR* (As low as)
    $5,000 - $25,000 9.90%
  •  Mortgages
    Equity One Second Mortgage - Fixed
    Loan To Value APR* (As low as)
    80% 5.25%
    90% 6.25%
    100% 8.00%
    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
    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
    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
    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.
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