Rates
Rates as of December 1, 2018
Current Mortgage Rates
Current Certificate of Deposit Specials - 12 month and 36 month
Saving Rates
| Account | Branch | Rate | APY |
|---|
| Savings Account | HCU | 0.450 % | 0.450 % |
| Christmas Club | HCU | 0.500 % | 0.500 % |
| Vacation Club | HCU | 0.500 % | 0.500 % |
| IRA Savings Account | HCU | 0.650 % | 0.650 % |
Money Market Account
| Term | Branch | Rate | APY |
|---|
| $0-$1,999.99 | HCU | 0.000 % | 0.000 % |
| $2,000-$9,999.99 | HCU | 0.450 % | 0.450 % |
| $10,000-$24,999.99 | HCU | 0.450 % | 0.450 % |
| $25,000 and above | HCU | 0.550 % | 0.550 % |
Platinum Money Market Account
| Term | Branch | Rate | APY |
|---|
| $0 - $24,999.99 | HCU | 0.450 % | 0.450 % |
| $25,000 - $49,999.99 | HCU | 0.600 % | 0.600 % |
| $50,000.00-$99,999.99 | HCU | 0.850 % | 0.850 % |
| $100,000.00 and above | HCU | 1.000 % | 1.010 % |
Certificate Rates
| Term | Branch | Rate | APY |
|---|
| 3 month* | HCU | 0.250 % | 0.250 % |
| 6 month* | HCU | 0.800 % | 0.800 % |
| 7 month** | HCU | 0.800 % | 0.800 % |
| 11 month** | HCU | 0.800 % | 0.800 % |
| 11 month**** | HCU | 0.850 % | 0.850 % |
| 12 month**** | HCU | 2.000 % | 2.020 % |
| 13 month** | HCU | 1.150 % | 1.160 % |
| 14 month** | HCU | 1.150 % | 1.160 % |
| 15 Month | HCU | 1.200 % | 1.210 % |
| 16 month** | HCU | 1.200 % | 1.210 % |
| 17 month** | HCU | 1.200 % | 1.210 % |
| 18 month Trad or Roth IRA** | HCU | 1.650 % | 1.660 % |
| 18 month** | HCU | 1.650 % | 1.660 % |
| 24 month** | HCU | 1.900 % | 1.920 % |
| 30 month** | HCU | 1.900 % | 1.920 % |
| 36 month** | HCU | 3.100 % | 3.140 % |
| 48 month** | HCU | 2.100 % | 2.120 % |
| 60 month*** | HCU | 2.300 % | 2.320 % |
* $1,000.00 minimum balance is required. 90 day early withdrawal penalty.
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
***Minimum balance of $10,000 in required. Special Certificates - Available for a limited time only
**** Minimum balance of $5,000 is required. 180 day early withdrawal penalty.
Teen Club Certificates
| Term | Branch | Rate | APY |
|---|
| 3 month* | HCU | 0.250 % | 0.250 % |
| 6 month* | HCU | 0.800 % | 0.800 % |
| 12 month* | HCU | 1.150 % | 1.160 % |
Personal Loans
| Term | Branch | Rate |
|---|
| 36 months | HCU | 9.040 % |
| 48 months | HCU | 10.040 % |
| 60 months | HCU | 12.040 % |
*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.
Home Equity Loans - Closed End
| Term | Branch | First Lien position | Second Lien Position |
|---|
| 60 months | HCU | 3.750 % | 5.250 % |
| 84 months | HCU | 4.000 % | 5.750 % |
| 120 month | HCU | 4.250 % | 6.000 % |
*Does not qualify for additional discounts. Terms and Conditions apply.
**The Annual Percentage Rates listed above are based on credit worthiness, term and 80% LTV.
Home Equity Lines of Credit
| Term | Branch | Rate |
|---|
| Instant Equity Loan | HCU | 7.000 % |
| Prime Line Equity Loan | HCU | 5.250 % |
Selected Rates current as of 12/5/2018, for approved customers.
Auto Loans
| Model Year |
Term |
APR |
| 2017 - Newer |
48 mo. |
3.64% |
| |
60 mo. |
3.64% |
| 2015 - 2016 |
48 mo. |
3.89% |
| |
60 mo. |
4.14% |
| 2012 - 2014 |
48 mo. |
4.14% |
| |
60 mo. |
4.14% |
| 2010 - 2011 |
48 mo. |
4.89% |
| |
60 mo. |
4.89% |
| 2007 - 2009 |
48 mo. |
7.39% |
*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term. Other terms are available, please contact the Credit Union for more information.
Recreational Loans(motorcycles, motorhomes, boats, ATV)
| Model Year |
Term |
APR |
| 2017 - Newer |
48 mo. |
5.29% |
| |
60 mo. |
5.54% |
| 2015 - 2016 |
48 mo. |
5.54% |
| |
60 mo. |
5.54% |
| 2012 - 2014 |
48 mo. |
5.74% |
| |
60 mo. |
5.74% |
| 2010 - 2011 |
48 mo. |
6.79% |
| |
60 mo. |
6.79% |
| 2007 - 2009 |
48 mo. |
7.64% |
| |
|
|
*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term.