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.


Super Low Auto Rates!

Look! Up in the sky! It’s a bird! It’s a plane! No! It’s a Super Low Auto Rate from HCU! Super low auto rates starting at 2.19% APR for up to 36 months.  We also have a great rate of 2.69% APR for up to 60 months and a rate at 3.19% APR for up to 72 months. Visit www.hcu.coop/auto for more details.

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.


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