Consumer Loan Rates |  |
Rates effective as of May 16, 2013. Rates quoted are for tier 1 borrowers and assume the borrower has automatic payments and an HCU Checking account with Direct Deposit. Your actual rate may be higher, depending upon your credit score.
2013 Home Equity Line of Credit
Say hello to debt relief, your new man cave, or a dream vacation. Take advantage of our 1.99%* APR Home Equity Line of Credit and use the equity in your home for almost anything. Closing costs are only $199! Click here for more information. 10-year Home Equity Loans also available.
Anything You Dream Loan
Take advantage of our lowest rates with our Anything You Dream Loan. We have rates starting as low as 1.99% APR* for up to 36 mos. or 2.49% APR* for up to 63 mos. Click here for more details on this limited time offer.
Auto, Truck, RV & Motorcycle Rates (Fixed Rate)
| Loan Amount |
Term |
Secured % APR* |
Unsecured % APR* |
|
$5000.00 up |
Up to 36 months |
2.99 |
5.99 |
|
$5000.00 up |
Up to 42 months |
3.49 |
6.49 |
|
$10000.00 up |
Up to 48 months |
3.49 |
6.49 |
|
$15000.00 up |
Up to 60 months |
3.49 |
6.49 |
|
$20000.00 up |
Up to 72 months |
3.99 |
6.99 |
|
$30000.00 up |
Up to 84 months |
4.99 |
N/A |
* Assumes online application with no origination fee. In-person applications include a $99 fee which will alter your APR.
Auto, Truck, RV & Motorcycle Rates (Variable Rate)
| Loan Amount |
Term |
Secured % APR* |
Unsecured % APR* |
|
Any |
Up to 60 months |
5.00 |
6.40 |
|
RV loan - $10000.00 - $24999.00 |
Up to 120 months |
6.10 |
N/A |
|
RV loan - $25000.00 up |
Up to 240 months |
5.60 |
N/A |
* Assumes online application with no origination fee. In-person applications include a $99 fee which will alter your APR.
Home Improvement Loan Rates (Fixed Rate)
| Type of Loan |
Variable % APR |
Fixed % APR* |
| Home Improvement Loan - Up to 36 months |
N/A |
6.52 |
| Home Improvement Loan - Up to 60 months |
N/A |
8.33 |
| Home Improvement Loan - Up to 84 months |
N/A |
10.25 |
* APR calculation assumes a loan of $25,000 over the maximum term with $199 in closing costs.
Lines of Credit
| Type of Loan |
Non-variable % APR |
Variable % APR |
Fixed % APR |
| VISA Classic & Hutchcard VISA |
12.90 |
N/A |
N/A |
| VISA Platinum Rewards |
7.90 |
N/A |
N/A |
| Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) |
N/A |
3.68* |
N/A |
| Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) |
N/A |
5.19* |
N/A |
| Express Loan Signature Line-of-Credit up to 36 months |
N/A |
6.19+ |
N/A |
| Overdraft Protection for Checking |
N/A |
N/A |
16.90 |
* APR calculation assumes a balance of $25,000 over 10 years with $199 in closing costs and a $20 annual fee.
+ APR calculation assumes a balance of $25,000 over 3 years with $199 in closing costs and a $20 annual fee.
Additional Rates
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