Loan Rates

Rates below reflect A+ credit score and a .25% reduction for auto payment from HFCU checking account and a .25% reduction for LifePerks - Ask for Details!

* Real estate, Unsecured, Credit Cards do not qualify for the above discounts.

Auto Loans 2014 and Newer

Rates as low as

1-63 Months as low as 2.09%
64-75 Months as low as 2.69%
76-84 Months as low as 3.49%


Auto Loans 2013 and Older

Rates as low as

1-63 Months as low as 3.09%
64-75 Months as low as 3.69%
76-84 Months as low as 4.49%


Motorcycles Loans 2014 and Newer

Rates as low as

1-63 Months as low as 3.09%
64-75 Months as low as 3.69%
76-84 Months as low as 4.49%


Motorcycles Loans 2013 and Older

Rates as low as

1-63 Months as low as 4.09%
64-75 Months as low as 4.69%
76-84 Months as low as 5.49%


RV's and Boats 2014 and Newer

Rates as low as

1-63 Months $0-$15,000 as low as 4.85%
64-75 Months $15,001-$25,000 as low as 5.25%
76-84 Months $25,001-$50,000 as low as 6.05%
85-144 Months $50,001-$100,00 as low as 7.05%


Other Secured Lending 2014 and Newer

Rates as low as

1-63 Months as low as 6.85%
64-75 Months as low as 7.25%
76-84 Months as low as 8.05%


Other Secured Lending 2013 and Older

Rates as low as

1-24 Months as low as 7.85%
25-48 Months as low as 9.25%
49-60 Months as low as 10.05%


Home Equity Line of Credit

Rates as low as

HELOC 80% Loan to Value as low as Prime rate minus 1%


Personal Loans

Rates as low as

Share Secured 1-24 Months as low as 3.44%
Unsecured , Signature as low as 7.00%


The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant or collateral condition. Not all applicants will qualify for the lowest rate. Self-employed applicants must provide 2 years tax returns as proof of income. Not all applicants will qualify for maximum term or advance.

HOME EQUITY LOANS AND 2ND MORTGAGES: Actual rate based on credit history and loan-to-value. Variable rate loans adjust on the first day of each calendar quarter.

AUTO LOANS: $10,000 min for terms greater than 63 months; $20,000 min. for terms greater than 75 months. Terms greater the 75 months only on vehicles 2012 and newer. Vehicles 2007 and older add 1% to rate. Add 2% to rate if mileage exceeds 100,000 on any model year. 2008 and older max term 48 months. Minimum loan amount $5,000. Vehicles with more than 150,000 miles will not be accepted as collateral. Refinances with cash out add 1% to rate, LTV up to 100%.

MOTORCYCLE LOANS: $10,000 min for terms greater than 63 months; $20,000 min for terms greater than 75 months. Terms greater than 75 months only on vehicles 2012 and newer. Add 1% to rate if mileage exceeds 50,000 on any model year. Model years 2007 and older add 1%. 2008 and older max term is 48 months. Minimum loan amount $5,000. Minimum loan amount $5,000 .50% above auto rate.

OTHER SECURED LENDING - PURCHASE ONLY: $5,000 min loan amount for terms 1-63 months; $15,000 min for terms greater than 63 months; $25,000 min for terms greater than 75 months. Terms greater than 75 months only on vehicles 2012 and newer.

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