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Consumer Loan Rates
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Rates effective as of Jul 15, 2014. Rates quoted are for tier 1 borrowers and assume the borrower has automatic payments, an HCU Checking account with Direct Deposit, and a debt-to-income ratio (including new loan) below 43%. Tier 1 pricing assumes a vehicle is less than 10 years old and has less than 100,000 miles. Your actual rate may be higher, depending upon your credit history.

Auto, Truck, RV & Motorcycle Rates (Fixed Rate)

Loan Amount Term Secured Unsecured
APR Rate APR Rate
$5000.00 up   Up to 36 months 3.68* 2.99 6.69* 5.99
$5000.00 up   Up to 42 months 4.09* 3.49 7.10* 6.49
$10000.00 up   Up to 48 months 3.75* 3.49 6.76* 6.49
$5000.00 up   Up to 48 months 6.03* 5.49 9.04* 8.49
$15000.00 up   Up to 60 months 3.63* 3.49 6.64* 6.49
$20000.00 up   Up to 72 months 4.08* 3.99 7.08* 6.99
$30000.00 up   Up to 84 months 5.04* 4.99 N/A N/A

* (APR = Annual Percentage rate) Assumes a loan amount of 150% of the minimum loan amount, with a $79 online (or lobby iPad) origination fee.

Auto, Truck, RV & Motorcycle Rates (Variable Rate)

Loan Amount Term Secured Unsecured
APR Rate APR Rate
Any   Up to 60 months 4.42** 4.29 5.82** 5.69
RV loan - $40000.00 up   Up to 180 months 4.88* 4.89 N/A N/A

* (APR = Annual Percentage rate) Assumes a loan amount of 150% of the minimum loan amount, with a $79 online (or lobby iPad) origination fee.

** (APR = Annual Percentage rate) Assumes a $20,000 loan with a $79 online (or lobby iPad) origination fee.

Lines of Credit

Type of Loan Non-variable APR Variable APR Fixed APR
VISA Platinum Rewards 7.90 N/A N/A
VISA Diamond Awards 11.90 N/A N/A
VISA Blue Dragon Card 12.90 N/A N/A
VISA Hutch Card 12.90 N/A N/A
VISA Express 5.90 N/A N/A
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) N/A 3.33* N/A
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) N/A 4.84* N/A
Express Loan Signature Line-of-Credit up to 36 months N/A 5.15** N/A
Overdraft Protection for Checking N/A N/A 16.90

* (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 10 years with a $99 origination fee.

** (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 3 years with a $99 origination fee.


Additional Rates