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Loan Rates

As of September 26, 2019

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 10.00% $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  120 Months As low as 5.50% 180 month term available for an additional .50%.  Rates based on credit score and LTV.

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Account Type Max Terms Rates Qualifications / Other Terms
New Auto 63 Months As low as* 3.50% Rates may vary based on creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
  75 Months As low as* 4.00% Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
  84 Months 2.00% over std. rates Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
Rates and financing terms are determined by Credit Worthiness of Applicant(s)
Used Auto 63 Months As low as* 3.50% 2015-2017 model years; Rates determined by creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
  75 Months As low as* 4.00% 2015-2017 model years; Rates determined by creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
  48 Months As low as* 4.00% 2012-2014 model years; Rates determined by creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
  60 Months As low as* 4.50% 2012-2014 model years; Rates determined by creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
Used Auto > 7 Years 36 Months As low as* 5.10% Rates determined by creditworthiness of applicant. Rate includes .20% discount for payroll deducted payments & active checking account.
Signature 36 Months As low as* 9.30% $500 minimum Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
Motor Homes, Travel Trailers, & Boats
New 60 Months As low as* 6.20% 120 month term available for additional 1.00%.  Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
Used 60 Months As low as* 6.42% 120 month term available for additional 1.00%.  Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
Motorcycles
New/Used 60 Months As low as* 5.00% Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
New/Used 72 Months As low as* 5.50% Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.
Misc vehicles (titles) 60 Months As low as* 6.70% (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant.  Rate includes .20% discount for payroll deducted payments & active checking account.

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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.

*Rates marked "As low as*" include a .20% rate discount for active checking with direct deposit & payroll deduction payments.

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.