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Consumer Loan Rates

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Rates effective as of Jan 15, 2019. 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 45%. Tier 1 pricing assumes a vehicle is less than 5 years old and has less than 130,000 miles. Your actual rate may be higher, depending upon your credit history.

Auto Rates (Fixed Rate - Includes Touring Motorcycles > 1200cc)

Term APR Rate Mo. Pmt/$1,000
48 Months 3.47* 3.24 $22.24
60 Months 3.68* 3.49 $18.19
72 Months 3.90* 3.74 $15.53
84 Months 4.88* 4.74 $14.01

* (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $17,000 fixed, secured loan, 2015 or newer vehicle with less than 150,000 miles, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

Motorcycle Rates (Fixed Rate - Includes Cruiser, Sportbikes, Scooters)

Term APR Rate Mo. Pmt/$1,000
48 Months 5.07** 4.74 $22.91
60 Months 5.51** 5.24 $18.98
72 Months 5.72** 5.49 $16.33

** (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, 2015 or newer vehicle with less than 150,000 miles, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

RV Rates (Fixed Rate)

Term APR Rate Mo. Pmt/$1,000
48 Months 4.80 4.74 $22.91
60 Months 5.04 4.99 $18.87
72 Months 5.28 5.24 $16.22
84 Months 5.78 5.74 $14.48
96 Months 6.02 5.99 $13.14
120 Months 6.52 6.49 $11.35
144 Months 6.76 6.74 $10.15
180 Months 7.26 7.24 $9.12

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2015 or newer RV with less than 150,000 miles, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

RV Rates (Variable Rate)

Loan Amount Term APR Rate Mo. Pmt/$1,000
RV loan - $40,000 - $0   Up to 180 months 6.01 5.99 $8.43

Other terms and rates available.

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2014 or newer RV with less than 150,000 miles, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan. APR may change quarterly, but will never be greater than 18%, or the maximum allowable by law.

Other Rates (Fixed Rate - Includes ATV, PWC, UTV, Garden Tractors)

Term APR Rate Mo. Pmt/$1,000
36 Months 7.43♦♦ 6.99 $30.87
48 Months 7.58♦♦ 7.24 $24.06
60 Months 8.02♦♦ 7.74 $20.15

♦♦ (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

Lines of Credit

Type of Loan Variable APR Fixed APR Mo. Pmt/$1,000
Express Loan Signature Line-of-Credit up to 36 months 7.65** N/A $31.05
Overdraft Protection for Checking N/A 16.90 NA
Other terms and rates available.

** (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 3 years with a $79 origination fee.

Home Equity Lines of Credit

Type of Loan Variable APR Fixed APR
Flex Home Equity Line-of-Credit < 80% LTV 5.49* N/A
Flex Home Equity Line-of-Credit > 80% LTV 6.49* N/A
Other terms and rates available.

* (APR = Annual percentage rate) APR calculation assumes active checking with direct deposit for no origination. Introductory APR will be in effect for the first twelve (12) months after your line of credit is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime minus .01% to Prime + .99% using the Wall Street Journal Prime Rate not to exceed 18% at any time, with a floor rate of 3.25%.

Signature Loans (Fixed Rate)

Term APR Rate Mo. Pmt/$1,000
36 Months 8.81 7.74 $31.22
48 Months 8.81 7.99 $24.41
60 Months 9.16 8.49 $20.51
72 Months 9.56 8.99 $18.02

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $5,000 secured loan, $79 origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

Credit Cards

Type of Loan Non-variable APR
VISA Blue Dragon Card 12.90
VISA Diamond Awards 11.90
VISA Express 5.90
VISA Hutch Card 12.90
VISA Platinum Rewards 7.90

Additional Rates