Rates
You may be eligible for a Loan Loyalty 0.25% Rate Discount!4
Rates effective as of 03/04/2025
New Auto Loan
| Payment Period | New Auto APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 4.74% | $29.85 |
| 37-48 Months | 4.99% | $23.02 |
| 49-60 Months | 5.49% | $19.10 |
| 61-72 Months | 5.74% | $16.45 |
| 73-84 Months | 6.99% | $15.09 |
Subject to credit approval.
*APR = Annual Percentage Rate. Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness. Payment example: A $20,000 loan at 5.49% APR with a term of 5-years would result in 60 monthly payments of $381.93. Minimum loan amounts may vary based upon the loan term.
Leasing Alternative Auto Loan
| Payment Period | New Auto APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 5.49% | $21.86 |
| 37-48 Months | 5.74% | $25.87 |
| 49-60 Months | 6.24% |
$34.17 |
Subject to credit approval.
*APR = Annual Percentage Rate. Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness.
Payment examples: A $50,000 car with a $5,000 down payment over a 36-month loan term with a residual value of $29,250: Your payments will be $607.35 for 35-months with a final payment of $29,250 due at maturity. The same car and down payment over a 48-month term with a residual value of $27,450 would be $538.90 for 47-months with a final payment of $27,450 at maturity. Using the same car and down payment over a 60-month period with a residual value of $21,150 will provide a payment of $569.49 over 59-months and a final payment of $21,150 due at maturity.
NOTE: This amount due at maturing may be refinanced (requires a new application and underwriting approval), paid off, or traded in at a dealer. The credit union does not, and will not accept vehicles returned to our premises. All residual values will be determined upon loan approval and the information will be provided to the loan applicant. Residual values are determined by the vehicles make, model, residual value analysis, and HEFCU underwriting guidelines. This leasing alternative loan is only provided on new vehicles with less than 5,000 miles and for the terms stated above. There are no termination fees or origination fees.
At maturity, borrowers must pay the full outstanding balance. Options include refinancing with the Credit Union (if qualified), refinancing with another lender, paying off the loan, or trading in the vehicle at a dealership. A minimum loan amount of $10,000 applies. Values are based upon the MSRP shown on the vehicle's sticker price. Residual values are based on the Automotive Leasing Guide.
Used Auto Loan
| Payment Period | Used Auto APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 4.74% | $29.85 |
| 37-48 Months | 5.24% | $23.14 |
| 49-60 Months | 5.74% | $19.21 |
| 61-72 Months | 6.24% | $16.69 |
| 73-84 Months | 7.74% | $15.46 |
Subject to credit approval.
*APR = Annual Percentage Rate. Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness. Rates are subject to change without notice. Payment example: A $15,000 loan at 5.29% APR with a term of 5-years would result in 60 monthly payments of $288.18. Minimum loan amounts may vary based upon the loan term.
RV/Marine
| Payment Period | New & Used Specialty Vehicles APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| Up to 72 Months | 5.99% | $16.57 |
| 73-84 Months | 6.99% | $15.09 |
| 85-120 Months | 8.99% | $12.66 |
Subject to credit approval.
*APR = Annual Percentage Rate. Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness. Rates are subject to change without notice. Payment example: A $30,000 loan at 6.99% APR with a term of 7-years would result in 84 monthly payments of $452.63. Minimum loan amounts may vary based upon the loan term.
Motorcycle
| Payment Period | New & Used Motorcycle APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| Up to 60 Months | 5.99% | $19.33 (60-month term) |
Subject to credit approval.
*APR = Annual Percentage Rate. Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness. Rates are subject to change without notice. Payment example: A $25,000 loan at 5.99% APR with a term of 5-years would result in 60 monthly payments of $483.20. Minimum loan amounts may vary based upon the loan term.
Real Estate
| Type*** | APR as Low as* | Payment per $1,000 Borrowed |
|---|---|---|
| First Mortgage | Get a Rate Quote | Get a Rate Quote |
| Home Equity Loan (5 Year Fixed) | 5.24% | $19.56 |
| Home Equity Loan (7 Year Fixed) | 5.74% | $14.48 |
| Home Equity Loan (10 Year Fixed) | 5.99% | $11.50 |
| Home Equity Loan (15 Year Fixed) | 6.24% | $8.98 |
| Home Equity Loan (20 Year Fixed) | 6.74% | $7.45 |
| Home Equity Line of Credit (Variable) | 6.50%** | Variable |
Subject to credit approval.
*APR = Annual Percentage Rate. Rate quoted is the lowest rate for qualified applicants. Other rates are available and may apply based on creditworthiness and loan to value. Rates are subject to change without notice.
**Variable rate based on the Prime Rate as published in the Wall Street Journal (which as of 12/19/2024 is 7.50%) plus or minus a margin that ranges from -1.00% to 4.00% based upon individual credit. The standard minimum APR (floor rate) is 4.00%, and the maximum APR (ceiling rate) is 18.00%. The maximum combined loan-to-value (CLTV) ratio is 100%, with a maximum loan amount of $500,000. The maximum term of a HELOC is 15 years, which consists of a 5-year draw period followed by a 10-year repayment period. The minimum monthly payment during the draw period is calculated monthly based upon the outstanding balance over the remaining term of the loan, but will not be less than $50 or the full amount owed, whichever is less. ***For credit limits over $250,000, a full appraisal is required. Appraisal costs range between $490.00 - $755.00. The full appraisal cost is the responsibility of the borrower. A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit
***For credit limits over $250,000, a full appraisal is required. Appraisal costs range between $490.00 - $755.00. The full appraisal cost is the responsibility of the borrower. A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.
VISA
| Card Type | Rate | Annual Fee |
|---|---|---|
| VISA Credit Card Classic | as low as 12.00% | No |
| VISA Credit Card Platinum | as low as 8.99% | No |
Minimum payment is required on credit cards.
Personal (Signature)
| Type | APR* | Tier | Payment per $1,000 Borrowed |
|---|---|---|---|
| Unsecured | as low as 9.49% | 12 months | $87.68 |
| Unsecured | as low as 9.49% | 13-36 months | $32.03 |
| Unsecured | as low as 10.99% | 37-60 months | $21.74 |
Payment example: A $10,000 loan at 9.49% APR with a term of 3-years would result in 36 monthly payments of $320.28. Minimum loan amounts may vary based upon the loan term.
Overdraft LOC
| Loan Type | APR* | Payment per $1,000 Borrowed |
|---|---|---|
| Overdraft LOC | as low as 9.99% | $87.91 (12-month term) |
Payment example: A $5,000 loan at 10.50% APR with a term of 1 year would result in 12 monthly payments of $440.74.
Share and CD Secured Loans
| Loan Type | APR* | Limit |
|---|---|---|
| 100% Share Secured | 3.50% above current share/CD rates | No Limit |
Rates are subject to change and do not apply to existing loans.*
* APR = Annual Percentage Rate
1 LTV above 80% offered at a higher rate
2 Not eligible for residences in Alaska, Hawaii or Texas
3 New and Used Auto Loans up to 10 model years old
Members are eligible for a 0.25% rate discount on their next HEFCU loan when they have a HEFCU loan in good standing - either a current loan or a loan that has been paid in the last 18 months. The discount applies to current loan rates in effect at the time of loan application for the new loan. Discount applies to Auto, Personal and Fixed Rate Home Equity Loans, excluding refinances of existing HEFCU loans. It's our way of saying "Thank You" for giving HEFCU repeat loan business.
Certain conditions and restriction may apply to rates, fees, and limits.
Rates effective as of 04/01/2025
Savings Accounts
Primary Savings
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $100.00 to $5,000.00 | 0.01% | 0.01% |
| Over $5,000.00 | 0.15% | 0.15% |
Wellness Savings
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $5,000.00 to $10,000.00 | 1.00% | 1.00% |
| $10,000.01 to $25,000.00 | 1.50% | 1.50% |
| Over $25,000.00 | 1.00% | 1.00% |
Healthy Savings
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $15,000.00 to $25,000.00 | 3.75% | 3.75% |
| $25,000.01 to $50,000.00 |
3.00% | 3.00% |
| $50,000.01 to $100,000.00 |
1.25% | 1.25% |
| Over $100,000.00 | 1.00% | 1.00% |
Club Accounts
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $100.00 to $500.00 | 0.01% | 0.01% |
| $500.01 to $5,000.00 | 0.15% | 0.15% |
| $5,000.01 to $20,000.00 | 0.15% | 0.15% |
| Over $20,000.00 | 0.15% | 0.15% |
Youth Accounts
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $100.00 to $5,000.00 | 0.01% | 0.01% |
| Over $5,000.00 | 0.15% | 0.15% |
Free Checking Accounts
Fit Checking
| Average Daily Balance | Rate | APY* |
|---|---|---|
| Any amount | 0.00% | 0.00% |
Interest Bearing Checking Accounts1
Wellness Checking
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $500.00 to $5,000.00 | 0.25% | 0.25% |
| $5,000.01 to $20,000.00 | 0.50% | 0.50% |
| $20,000.01 to $50,000.00 | 0.25% | 0.25% |
| Over $50,000.00 | 0.01% | 0.01% |
Healthy Checking
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $1,000.00 to $2,500.00 | 3.00% | 3.00% |
| $2,500.01 to $20,000.00 | 3.75% | 3.75% |
| $20,000.01 to $30,000.00 | 2.00% | 2.00% |
| $30,000.01 to $50,000.00 | 0.75% | 0.75% |
| Over $50,000.00 | 0.01% | 0.01% |
Money Markey Account
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $1,000.00 to $5,000.00 | 3.50% | 3.50% |
| $5,000.01 to $50,000.00 | 3.00% | 3.00% |
| $50,000.01 to $100,000.00 | 1.00% | 1.00% |
| Over $100,000 | 0.50% | 0.50% |
*APY = Annual Percentage Yield
1 Primary, Wellness, and Healthy Savings as well as Wellness Checking, Healthy Checking, Money Market, Club Accounts, and Youth Savings are split-rate, tiered accounts where dividends are paid based on the portions of your balance that fall within specified tiers. These accounts may include a monthly maintenance fee if a minimum daily balance is not maintained. Please see our fee schedule for details. Other fees may apply, including excessive transactions.
Rates are subject to change. Please call the credit union at (609) 951-0700 for the most current rates.
Certain conditions and restriction may apply to rates, fees, and limits.
Savings IRA Accounts1
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $100.00 to $500.00 | 0.16% | 0.16% |
| $500.01 to $5,000.00 | 0.60% | 0.60% |
| $5,000.01 to $20,000.00 | 0.90% | 0.90% |
| Over $20,000.00 | 1.05% | 1.05% |
Share Certificates / Share Certificate IRA2
| Term | Rate | APY* |
|---|---|---|
| 6 Month | 3.750% | 3.809% |
| 9 Month | 3.750% | 3.813% |
| 12 Month | 3.500% | 3.557% |
| 24 Month | 2.750% | 2.787% |
| 36 Month | 2.750% | 2.787% |
| 48 Month | 2.750% | 2.787% |
| 60 Month | 2.750% | 2.788% |
*APY = Annual Percentage Yield
1 Savings IRAs will earn dividend according to balance tier. This is a split-rate, tiered account where dividends are paid based on the portions of your balance that fall within specified tiers.
2 Minimum balance of $1,000 to open Share Certificate/Share Certificate IRA
3 Rates are accurate as of 3/3/2025. Rate is subject to change without notice. CDs are prohibited from additional deposits after opening. The minimum deposit to open the promotional CD is $1,000 in new money (funds must not already be on deposit with HEFCU). The APY (Annual Percentage Yield) is determined by an assumption that dividends remain in the CD account until maturity. This CD automatically renews on the maturity date for the same term, and the dividend rate in effect at the time of maturity will be applied (there is a ten (10) day grace period, upon maturity only, to change the CD term or close the CD without penalty). Penalties apply for early withdrawal and will reduce dividends on the CD. If funds are withdrawn before the maturity date, the penalty will equal 180 days' dividends on your certificate account.
Rates are subject to change. Please call the credit union at (609) 951-0700 for the most current rates.
Certain conditions and restriction may apply to rates, fees, and limits.
