Rates are current as of December 1, 2018

Auto Loans

All vehicle loans: $5,000 minimum vehicle value
Loan Term APR* As Low As Daily Periodic Rate
New Vehicle Loan
24 Months 2.49% 0.00682%
36 Months 3.39% 0.00929%
48 Months 3.69% 0.01011%
New Vehicle Loan ($10,000 minimum loan amount)
60 Months 3.89% 0.01066%
New Vehicle Loan ($20,000 minimum loan amount)
72 Months 4.29% 0.01175%
84 Months 4.69% 0.01285%
90 Months 4.89% 0.01340%
Used Vehicle Loan
24 Months 2.49% 0.00682%
36 Months 3.39% 0.00929%
48 Months 3.69% 0.01011%
Used Vehicle Loan ($10,000 minimum loan amount)
60 Months 3.89% 0.01066%
Used Vehicle Loan ($20,000 minimum loan amount)
72 Months 4.29% 0.01175%
84 Months 4.69% 0.01285%
First Time Car Buyer (75,000 miles maximum)
New or Used up to 60 months; $18,000 max 9.99% 0.02737%
Recreational Vehicle Loan Type I: Motorcycles, ATVs, Boats, Snowmobiles, & Transportation Trailers
New up to 60 months 5.99% 0.01644%
Used up to 36 months 5.99% 0.01644%
Recreational Vehicle Loan Type II: Motor Homes, Travel Trailers, Campers, & Fifth Wheel Trailers
New up to 120 months 4.99% 0.01367%
Used up to 96 months 4.99% 0.01367%

Personal Loans

Loan Term APR* As Low As Daily Periodic Rate
Signature/Personal Loan (Up to $7,500 maximum loan amount)
Up to 60 months 10.99% 0.03011%
Signature/Personal Line of Credit (Up to $7,500 maximum loan amount)
Up to 60 months 9.99% (6-month intro) 0.02737%
Consolidation Loan (Up to $7,500 maximum loan amount)
Up to 60 months 13.99% 0.03833%
Heating Oil Pre-Payment Purchase (Up to $1,500 maximum loan amount)
Up to 12 months 9.99% 0.02737%
Alternative Heating (Up to $5,000 maximum loan amount)
Up to 36 months (3 years) 9.99% 0.02737%
Certificate Secured
Up to 60 months (5 years) APR* plus 3.00%
Share Secured
Up to 120 months (10 years) 3.00% 0.00822%
Student Lending Line of Credit
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Real Estate Loans

 

Loan Term APR* As Low As Daily Periodic Rate
Home Equity Line of Credit (Up to 80% Loan-to-Value) 2.49% (12-month intro) 0.00682%
First Mortgage (Up to 90% Loan-to-Value)
Up to 360 months (30 years) 5.125% 0.01438%
10 Year Mortgage (Up to 80% Loan-to-Value)
Up to 120 months (10 years) 3.49% 0.00956%
Unimproved Land Loan
Up to 180 months (15 years) 4.89% 0.01340%

Rates and terms are subject to change without approval or notice. APR based on credit worthiness and underwriting criteria.

Auto Loans: HRCU will finance up to the Manufacturer’s Suggested Retail Price (MSRP) plus tax and tags for a new vehicle. HRCU will finance up to 125% of the value of the vehicle for a used or refinanced vehicle based on NADA, Kelly Blue Book or other authorized guide when determining used vehicle values. Minimum loan amount is $5,000. The interest rate applied may be up to 2.5% higher based on the applicants credit score, debt ratio or vehicle value. HRCU makes all final determinations regarding the vehicle value and applied interest rate. See the LOANLINER Credit and Security Agreements available from the credit union.

HELOC: Rates may vary and adjust semi annually based on the Wall Street Journal Prime Rate (index) plus .50% APR (Margin) for up to 80% Loan to Value (LTV). Maximum lifetime interest rate will never exceed 18% APR. LTV of the available amount to borrow is 80% of appraised value less outstanding balance on first mortgage.

HEL and HELOC: 80% maximum LTV. LTV calculation is dependent upon the appraised value of your home. Real estate must be first or second lien. 1-4 family owner occupied residential property. Some states charge a mortgage recording tax. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. Consult your tax advisor regarding interest deductibility. Equal Opportunity Lender. Minimum Loan Amount $10,000.

Share Accounts

Product APR* APY
Share Savings
($5 or more) 0.25% 0.25%
Share Draft Checking 0.35% 0.35%
Christmas, Vacation and Tax Club Accounts 0.40% 0.40%
Traditional, Roth or Coverdell IRA Accounts 0.75% 0.75%
Money Market Shares
$2,500 to $9,999.99 0.85% 0.85%
$10,000 to $24,999.99 1.05% 1.05%
$25,000 to $49,999.99 1.20% 1.21%
$50,000 or greater 1.60% 1.61%

Rates and terms are subject to change without approval or notice.

All accounts are federally insured up to $250,000 by the National Credit Union Administration.

Share/IRA Certificates

Product APR* APY
3 month (90 days) 0.65% 0.66%
6 month (180 days 1.00% 1.01%
1 year (365 days) 2.05% 2.07%
18 month (545 days) 2.15% 2.17%
2 year (730 days) 2.30% 2.32%
3 year (1095 days) 2.60% 2.63%
4 year ( 1460 days) 2.80% 2.84%
5 year (1825 days) 3.15% 3.20%

Jumbo Share & IRA Certificates (Above $75,000)

Product APR* APY
3 month (90 days) 0.70% 0.70%
6 month (180 days) 1.10% 1.11%
1 year (365 days) 2.10% 2.12%
18 month (545 days) 2.20% 2.22%
2 year (730 days) 2.35% 2.38%
3 year (1095 days) 2.65% 2.68%
4 year ( 1460 days) 2.85% 2.89%
5 year (1825 days) 3.20% 3.25%

All accounts are federally insured up to $250,000 by the National Credit Union Administration. Minimum deposit of $500 is required to open a Certificate of Deposit. You may not make additional deposits after the account is open. APY assumes the principal and dividends remain on deposit until maturity. A penalty is imposed for early withdrawal. Penalty fees could reduce earnings on account. Certificate of Deposit renews automatically.