| Account Type |
Max Terms |
Rates |
Qualifications/
Other Terms |
 |
Varies |
12.90 %
|
No Annual Fee
25 day grace
Payments = 4% of principal balance
1st 6 months on new cards--3.9% on balance transfers & purchases until balances are paid in full (Transfers from other HCFCU cards or accounts excluded) |
 |
Varies |
10.90 % |
No Annual Fee
25 day grace
Payments = 4% of principal balance
1st 6 months on new cards--3.9% on balance transfers & purchases until balances are paid in full (Transfers from other HCFCU cards or accounts excluded) |
| Line-Of-Credit |
Varies |
13.90 % |
$500/$5000
(Requires Checking Account) |
| STAT Cash |
Varies |
14.90 % |
$500/$5000 |
| Shared-Secured |
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
Rates as low as: 5.00%--may vary based on credit score |
Fixed-Rate Home Equity Loans |
120 months |
5.00 % |
| Term Loan |
3 months |
14.40 % |
(Other than Share or CD secured) Payment Due in full at Maturity |
|
| Account Type |
Max Terms |
Rates |
Qualifications/
Other Terms |
| New Auto |
60 months |
As low as
5.49 % |
Up to 125% of MSRP.
**.30% Discount on new vehicles/48 mo max
credit score 600+
** Add'l .20% Discount/36 mo max/credit scores 600+ |
| 72 months |
0.50 %
over std. rates |
Up to 125% of Purchase Price ($25,000 Min.)
84 months available @ 1% above standard rates. |
Rates and financing terms are determined by Credit Worthiness of Applicant(s) |
| Used Auto |
60 months |
As low as
5.49 % |
06-2008 model years;
115% NADA Retail Value
.30% Discount if term is 48 mos. or less
Add'll .20% for 36 mos or less |
| 48 months |
As low as
5.19 % |
01-05 model years;
115% NADA Retail Value |
| Used Auto > 7 Years |
36 months |
As low as
8.49 % |
95-100% LTV based on credit worthiness of applicant |
| Signature |
36 months |
As low as
9.99 % |
$500 minimum |
| Motor Homes, Travel Trailers, & Boats |
| New |
60 months |
As low as
7.50 % |
100% of MSRP
5 yr fixed loan or 5 yr Balloon with renewal at the then prevailing rates--maximum amortization at 180 months based on the price of vehicle. |
| Used |
60 months |
As low as
7.50 % |
115% of NADA Retail value for Used purchases (terms the same as new) |
| Motorcycles |
| New |
60 months |
As low as
7.50 % |
100% of MSRP |
| Used |
60 months |
As low as
7.50 % |
115% of NADA Retail Value |
| Misc vehicles (titles) |
60 months |
As low as
7.99 % |
(New & Used) 100% of MSRP or Retail Value--includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. |
| Combo Loans |
36 months |
As low as
8.90 % |
50% Collateralized by titles vehicle |
|
| 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. |
| Credit Score of 720+ = 1st tier of rates (lowest available) |
Credit Score of 680-719 = 2nd tier of rates |
| Credit Score of 640-679 = 3rd tier of rates |
Credit Score of 600-639 = 4th tier of rates |
| Credit Score of 550-559 = 5th tier of rates |
Credit Score of <550 = 6th tier of rates |
Auto loan refinance program |
New Autos financed elsewhere refinanced at new auto rates for remaining term of existing loan or max term per schedule.
Used Autos, model years 2002-2008, financed elsewhere refinanced at used auto rates for remaining term of existing loan or max term per schedule.
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. |
