Rates

Rates as of December 1, 2018

Current Mortgage Rates

Current Certificate of Deposit Specials - 12 month and 36 month

Saving Rates

AccountBranchRateAPY
Savings AccountHCU0.450 % 0.450 %
Christmas ClubHCU0.500 % 0.500 %
Vacation ClubHCU0.500 % 0.500 %
IRA Savings AccountHCU0.650 % 0.650 %

Money Market Account

TermBranchRateAPY
$0-$1,999.99HCU0.000 % 0.000 %
$2,000-$9,999.99HCU0.450 % 0.450 %
$10,000-$24,999.99HCU0.450 % 0.450 %
$25,000 and aboveHCU0.550 % 0.550 %

Platinum Money Market Account

TermBranchRateAPY
$0 - $24,999.99HCU0.450 % 0.450 %
$25,000 - $49,999.99HCU0.600 % 0.600 %
$50,000.00-$99,999.99HCU0.850 % 0.850 %
$100,000.00 and aboveHCU1.000 % 1.010 %

Certificate Rates

TermBranchRateAPY
3 month*HCU0.250 % 0.250 %
6 month*HCU0.800 % 0.800 %
7 month**HCU0.800 % 0.800 %
11 month**HCU0.800 % 0.800 %
11 month****HCU0.850 % 0.850 %
12 month****HCU2.000 % 2.020 %
13 month**HCU1.150 % 1.160 %
14 month**HCU1.150 % 1.160 %
15 MonthHCU1.200 % 1.210 %
16 month**HCU1.200 % 1.210 %
17 month**HCU1.200 % 1.210 %
18 month Trad or Roth IRA**HCU1.650 % 1.660 %
18 month**HCU1.650 % 1.660 %
24 month**HCU1.900 % 1.920 %
30 month**HCU1.900 % 1.920 %
36 month**HCU3.100 % 3.140 %
48 month**HCU2.100 % 2.120 %
60 month***HCU2.300 % 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

TermBranchRateAPY
3 month*HCU0.250 % 0.250 %
6 month*HCU0.800 % 0.800 %
12 month*HCU1.150 % 1.160 %

Personal Loans

TermBranchRate
36 monthsHCU9.040 %
48 monthsHCU10.040 %
60 monthsHCU12.040 %

*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.

Home Equity Loans - Closed End

TermBranchFirst Lien positionSecond Lien Position
60 monthsHCU3.750 % 5.250 %
84 monthsHCU4.000 % 5.750 %
120 monthHCU4.250 % 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

TermBranchRate
Instant Equity LoanHCU7.000 %
Prime Line Equity LoanHCU5.250 %

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.