Loan Rates

As of April 20, 2017

Account Type Max Terms Rates Qualifications / Other Terms
VISA® Platinum Credit Card Varies 8.90% Fixed Rate 8.90% APR* No Annual Fee No interest if paid in full by due date 25 day grace for late fee Payments = 2.5% of balance
VISA® Gold Credit Card Varies 10.90% Fixed Rate 10.9% APR* No Annual Fee No interest if paid in full by due date 25 day grace for late fee Payments = 2.5% of bal
MasterCard® Classic Varies 12.90% Fixed Rates range from 12.9% APR* to 16.9%APR*. Rates determined by credit history. No Annual Fee No interest if paid in full by due date. 25 day grace for late fee Payments = 2.5% of balance
Share-Secured MasterCard® Varies 12.90% Fixed Rate 12.90% APR* Money on deposit is used as collateral. No Annual Fee No interest if paid in full by due date. 25 day grace for late fees $300 minimum Payments = 2.5% of balance
Line-Of-Credit Varies 9.75% $500/$15000 Rates may vary based on creditworthiness of applicant.
Share-Secured Loan  Varies Varies 3% over deposit rate; (rounded up to nearest quarter percent)
Certificate Secured  Varies Varies 3% over deposit rate; (rounded up to nearest quarter percent)
Home Equity Loans      
Home Equity Lines of Credit Varies Varies $10,000-$300,000;Rate based on credit score and LTV
Fixed-Rate Home Equity Loans  180 Months As low as 5.50% 180 month term available for an additional .50%.  Rates based on credit score and LTV.
Term Loan  3 Months 14.40% (Other than Share or CD secured) Payment Due in full at Maturity

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Account Type Max Terms Rates Qualifications / Other Terms
New Auto 63 Months As low as 2.39% Rates may vary based on creditworthiness of applicant.
  84 months 2.00% over std. rates Rates may vary based on creditworthiness of applicant.
Rates and financing terms are determined by Credit Worthiness of Applicant(s)
Used Auto 63 months As low as 2.49% 2013-2015 model years; Rates determined by creditworthiness of applicant. Rate includes .10% discount for automated payments
  48 months As low as 2.49% 2010-2012 model years; Rates determined by creditworthiness of applicant. Rate includes .10% discount for automated payments.
Used Auto > 7 Years 36 months As low as 4.29% Rates determined by creditworthiness of applicant. Rate includes .10% discount for automated payments.
Signature 36 months As low as 9.25% $500 minimum Rates may vary based on creditworthiness of applicant.
Motor Homes, Travel Trailers, & Boats
New 120 months As low as 5.59% 120 month term available for additional .50%.  Rates may vary based on creditworthiness of applicant.
Used 120 months As low as 5.59% 120 month term available for additional .50%.  Rates may vary based on creditworthiness of applicant.
Motorcycles
New 72 months As low as 4.59% Rates may vary based on creditworthiness of applicant.
Used 60 months As low as 4.59% Rates may vary based on creditworthiness of applicant.
Misc vehicles (titles) 60 months As low as 6.59% (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant.

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NOTE: THE RATES QUOTED ARE OUR BEST AVAILABLE RATES. YOUR RATE OR TERMS MAY VARY BASED ON YOUR CREDIT HISTORY. HCFCU reserves the right to use a credit scoring model of its choice. HCFCU reserves the right to limit the term and LTV on loans based on dollar amount, collateral offered, credit score and other relevant criteria.

Credit Score of 730+ = 1st tier of rates (lowest available) Credit Score of 680-729 = 2nd tier of rates
Credit Score of 640-679 = 3rd tier of rates Credit Score of 600-639 = 4th tier of rates
Credit Score of 550-559 = 5th tier of rates Credit Score of <550 = 6th tier of rates

Auto loan refinance program

New Autos financed elsewhere refinanced at new auto rates for remaining term of existing loan or max term per schedule. Used Autos, model years 2002-2009, financed elsewhere refinanced at used auto rates for remaining term of existing loan or max term per schedule. RATES and TERMS are SUBJECT to CHANGE without NOTICE. HCFCU reserves the right to limit repayment terms. All filing fees will be incurred by member.