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Consumer Loan Rates

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Rates effective as of Oct 16, 2017. 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 6 years old and has less than 150,000 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 3.22* 2.99 $22.13
60 Months 3.43* 3.24 $18.08
72 Months 3.65* 3.49 $15.41
84 Months 4.63* 4.49 $13.90

Other terms and rates available.

* (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $17,000 fixed, secured loan, 2013 or newer vehicle with less than 150,000 miles, $79 online 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 4.32** 3.99 $22.57
60 Months 4.26** 3.99 $18.41
72 Months 5.22** 4.99 $16.10

Other terms and rates available.

** (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, 2014 or newer vehicle with less than 150,000 miles, $79 online 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 4.55 4.49 $22.80
60 Months 4.54 4.49 $18.64
72 Months 5.03 4.99 $16.10
84 Months 5.28 5.24 $14.25
96 Months 5.52 5.49 $12.89
120 Months 6.02 5.99 $11.10
144 Months 6.26 6.24 $9.88
180 Months 6.51 6.49 $8.71

Other terms and rates available.

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2013 or newer RV with less than 150,000 miles, $79 online (or lobby kiosk) 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 up   Up to 180 months 4.70 4.68 $7.74

Other terms and rates available.

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2013 or newer RV with less than 150,000 miles, $79 online (or lobby kiosk) 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 6.93♦♦ 6.49 $30.64
48 Months 6.83♦♦ 6.49 $23.71
60 Months 7.52♦♦ 7.24 $19.91

Other terms and rates available.

♦♦ (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, $79 online 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
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) 3.35* N/A $9.77
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) 4.85* N/A $10.48
Express Loan Signature Line-of-Credit up to 36 months 4.94** N/A $29.83
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 10 years with a $79 origination fee. Annual LOC fee of $20. APR may change quarterly, but will never be greater than 18% or the maximum rate allowable by the law.

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

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

Savings/Certificate Rates

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Rates effective as of Aug 28, 2017.

 

Certificate Special

For a limited time, take advantage of a sweet deal on a 17-month certificate with rates as high as 1.71% APY. With the 17-month Certificate, you'll enjoy some of the best rates and terms around without tying up funds for the long-term. This certificate won't be around for long, so take advantage of this sweet deal, while it lasts.

Minimum deposit of $500, $100 for youth accounts. Penalty for early withdrawal.

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
17 Month 1.41% 1.40% 1.46% 1.45% 1.66% 1.65% 1.71% 1.70%

Share Accounts

† Minimum account requirements do not apply to Special Share Accounts.

Share Account Min. Amount Max. Amount APY* Rate
Savings Accounts: Share, Special Share†, Scottie Savers, Gateway, Christmas Club & Club Share, Conservator/Rep Payee, Save@School 0.20% 0.20%
Life Savings Account** 0.00% 0.00%
Investment Shares $2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.30% 0.30%
$25,000 $99,999 0.35% 0.35%
$100,000 0.40% 0.40%
Money Market $0 $2,499 0.00% 0.00%
$2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.30% 0.30%
$25,000 $49,999 0.35% 0.35%
$50,000 $99,999 0.50% 0.50%
$100,000 $249,999 0.65% 0.65%
$250,000 0.85% 0.85%

Draft Accounts

Fees may reduce earning on Premier Accounts.

Draft Account Min. Amount Max. Amount APY* Rate
eChecking & Gateway Checking 0.00% 0.00%
Classic Checking** 0.10% 0.10%
Premier Checking $0 $2,499 0.10% 0.10%
$2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.25% 0.25%
$25,000 $49,999 0.25% 0.25%
$50,000 $99,999 0.30% 0.30%
$100,000 0.30% 0.30%

Standard Certificates

Minimum investment for a certificate is $500.00. The minimum investment for Scottie Saver or Gateway certificates is $100.00. Rates may change weekly as determined solely by the board of directors. These are rates and APY's* that were offered within the most recent seven calendar days. The APY* assumes funds will remain on deposit for a full year at the disclosed rate. Unless otherwise paid, dividends will be compounded and paid every quarter. You may apply dividends to a separate account quarterly, instead of compounding, however this will change your APY to equal your rate. On certificates of $25,000 and up you may apply dividends to a separate account monthly, instead of compounding, however this will change your APY* to equal your rate. (Monthly payouts not available on 3 month certificates.)

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
3 Month 0.25% 0.25% 0.30% 0.30% 0.35% 0.35% 0.50% 0.50%
6 Month 0.50% 0.50% 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%
12 Month 0.80% 0.80% 0.85% 0.85% 0.95% 0.95% 1.00% 1.00%
24 Month 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%
36 Month 1.61% 1.60% 1.66% 1.65% 1.76% 1.75% 1.81% 1.80%
48 Month 1.81% 1.80% 1.86% 1.85% 1.91% 1.90% 1.96% 1.95%
60 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Add On Certificates

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
30 Month Add-On 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%

Bump Certificate

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
29 Month 1.51% 1.50% 1.56% 1.55% 1.66% 1.65% 1.71% 1.70%
61 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Save to Win

Tier APY** Rate
Save to Win Certificate 0.50% 0.50%

* Annual percentage yield,   ** No longer offered

All accounts Federally Insured to at least $250,000 by NCUA. To obtain current rate information, phone 669.0177 or 800.428.8472. See your 'Important Account Information' brochure and 'Fee Schedule' for other disclosures, terms and conditions.

Additional Rates

IRA and HSA Rates

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Rates effective as of Aug 28, 2017.

Certificate Special

For a limited time, take advantage of a sweet deal on a 17-month certificate with rates as high as 1.71% APY. With the 17-month Certificate, you'll enjoy some of the best rates and terms around without tying up funds for the long-term. This certificate won't be around for long, so take advantage of this sweet deal, while it lasts.

Minimum deposit of $500, $100 for youth accounts. Penalty for early withdrawal.

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
17 Month 1.41% 1.40% 1.46% 1.45% 1.66% 1.65% 1.71% 1.70%
 

IRA and HSA Shares

Share Account APY* Rate
HSA balances over $100. 0.20% 0.20%
IRA Shares incl. Traditional, Roth, Coverdell & SEP accounts 0.20% 0.20%

IRA and HSA Certificates

Includes Traditional, Roth, Coverdell, and SEP accounts. The minimum investment for an IRA certificate is $500.00. Rates may change weekly as determined solely by the board of directors. These are rates and APY's* that were offered within the most recent seven calendar days. The APY* assumes funds will remain on deposit for a full year at the disclosed rate. Unless otherwise paid, dividends will be compounded and paid every quarter. You may apply dividends to a separate account quarterly, instead of compounding, however this will change your APY* to equal your rate. On certificates of $25,000 and up, you may apply dividends to a separate account monthly, instead of compounding, however this will change your APY* to equal your rate. (Monthly payouts not available on 3 and 6 month IRA's.) SEP Certificates not available in 3 month terms.

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
3 Month 0.25% 0.25% 0.30% 0.30% 0.35% 0.35% 0.50% 0.50%
6 Month 0.50% 0.50% 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%
12 Month 0.80% 0.80% 0.85% 0.85% 0.95% 0.95% 1.00% 1.00%
24 Month 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%
36 Month 1.61% 1.60% 1.66% 1.65% 1.76% 1.75% 1.81% 1.80%
48 Month 1.81% 1.80% 1.86% 1.85% 1.91% 1.90% 1.96% 1.95%
60 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Add On Certificates

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
30 Month Add-On 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%

* Annual percentage yield

All accounts Federally Insured to at least $250,000 by NCUA. To obtain current rate information, phone 669.0177 or 800.428.8472. See your 'Important Account Information' brochure and 'Fee Schedule' for other disclosures, terms and conditions.


Additional Rates

Mortgage Rates

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Rates effective as of Nov 20, 2017.

Please Note: These rates are based on a zero cash-out, zero points, 80% loan-to-value ratio mortgage, for borrowers with excellent credit. Your rate may be different depending upon your credit score, loan-to-value ratio, points, and transaction type.

Find my actual rate.

Conforming Loans $200,000 - $417,000

Closing costs equal approx. 1.3% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $300,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed
APR* Rate APR* Rate APR* Rate APR* Rate
0 Points 4.0207% 4.0000% 3.7785% 3.7500% 3.4113% 3.3750% 3.3026% 3.2500%
1 Points 3.9787% 3.8750% 3.7680% 3.6250% 3.3067% 3.1250% 3.2638% 3.0000%
2 Points 3.9367% 3.7500% 3.7581% 3.5000% 3.2021% 2.8750% 3.2259% 2.7500%

Conforming Loans $100,000 - $199,999

Closing costs equal approx. 1.6% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $150,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed
APR* Rate APR* Rate APR* Rate APR* Rate
0 Points 4.1669% 4.1250% 3.9324% 3.8750% 3.5730% 3.5000% 3.4807% 3.3750%
1 Points 4.1256% 4.0000% 3.9227% 3.7500% 3.4692% 3.2500% 3.4428% 3.1250%
2 Points 4.0844% 3.8750% 3.9136% 3.6250% 3.3654% 3.0000% 3.4060% 2.8750%

Conforming Loans $50,000 - $99,999

Closing costs equal approx. 2.0% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $75,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed
APR* Rate APR* Rate APR* Rate APR* Rate
0 Points 4.4603% 4.3750% 4.2414% 4.1250% 3.8976% 3.7500% 3.8381% 3.6250%
1 Points 4.4206% 4.2500% 4.2334% 4.0000% 3.7953% 3.5000% 3.8022% 3.3750%
2 Points 4.3810% 4.1250% 4.2260% 3.8750% 3.6931% 3.2500% 3.7673% 3.1250%

Conforming Loans Below $50,000

Closing costs equal approx. 2.5% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $35,000. 80% LTV. Owner occupied property.

Points 30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed
APR* Rate APR* Rate APR* Rate APR* Rate
0 Points 4.6857% 4.5000% 4.5027% 4.2500% 4.3212% 4.0000% 4.3374% 3.8750%
1 Points 4.6475% 4.3750% 4.4966% 4.1250% 4.2212% 3.7500% 4.3048% 3.6250%
2 Points 4.6093% 4.2500% 4.4911% 4.0000% 4.1213% 3.5000% 4.2735% 3.3750%

Jumbo loans available for $417,000 and above. Balloon loans available with terms of 3 to 7 years. Home Equity Line-of-Credit loans available at competitive variable rates. Non-owner occupied financing available. Adjustable rate mortgages available. Contact a loan officer for more information and rates.

* Annual percentage rate


Additional Rates

Business Savings Rates

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Rates effective as of Aug 28, 2017.

 

Certificate Special

For a limited time, take advantage of a sweet deal on a 17-month certificate with rates as high as 1.71% APY. With the 17-month Certificate, you'll enjoy some of the best rates and terms around without tying up funds for the long-term. This certificate won't be around for long, so take advantage of this sweet deal, while it lasts.

Minimum deposit of $500, $100 for youth accounts. Penalty for early withdrawal.

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
17 Month 1.41% 1.40% 1.46% 1.45% 1.66% 1.65% 1.71% 1.70%

Share Accounts

† Minimum account requirements do not apply to Special Share Accounts.

Share Account Min. Amount Max. Amount APY* Rate
Business Share 0.20% 0.20%
Business Investment Share $2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.30% 0.30%
$25,000 $99,999 0.35% 0.35%
$100,000 0.40% 0.40%
Business Money Market $0 $2,499 0.00% 0.00%
$2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.30% 0.30%
$25,000 $49,999 0.35% 0.35%
$50,000 $99,999 0.50% 0.50%
$100,000 $249,999 0.65% 0.65%
$250,000 0.85% 0.85%

Draft Accounts

Fees may reduce earning on Premier Accounts.

Draft Account Min. Amount Max. Amount APY* Rate
Business eChecking 0.00% 0.00%
Business Basic Checking 0.10% 0.10%
Business Checking 0.10% 0.10%
Business High Yield Checking $0 $24,999 0.00% 0.00%
$25,000 $49,999 0.20% 0.20%
$50,000 $99,999 0.25% 0.25%
$100,000 $249,999 0.25% 0.25%
$250,000 0.25% 0.25%

Standard Certificates

Minimum investment for a certificate is $500.00. The minimum investment for Scottie Saver or Gateway certificates is $100.00. Rates may change weekly as determined solely by the board of directors. These are rates and APY's* that were offered within the most recent seven calendar days. The APY* assumes funds will remain on deposit for a full year at the disclosed rate. Unless otherwise paid, dividends will be compounded and paid every quarter. You may apply dividends to a separate account quarterly, instead of compounding, however this will change your APY to equal your rate. On certificates of $25,000 and up you may apply dividends to a separate account monthly, instead of compounding, however this will change your APY* to equal your rate. (Monthly payouts not available on 3 month certificates.)

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
3 Month 0.25% 0.25% 0.30% 0.30% 0.35% 0.35% 0.50% 0.50%
6 Month 0.50% 0.50% 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%
12 Month 0.80% 0.80% 0.85% 0.85% 0.95% 0.95% 1.00% 1.00%
24 Month 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%
36 Month 1.61% 1.60% 1.66% 1.65% 1.76% 1.75% 1.81% 1.80%
48 Month 1.81% 1.80% 1.86% 1.85% 1.91% 1.90% 1.96% 1.95%
60 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Add On Certificates

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
30 Month Add-On 1.21% 1.20% 1.26% 1.25% 1.36% 1.35% 1.41% 1.40%

Bump Certificate

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
29 Month 1.51% 1.50% 1.56% 1.55% 1.66% 1.65% 1.71% 1.70%
61 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

* Annual percentage yield,   ** No longer offered

All accounts Federally Insured to at least $250,000 by NCUA. To obtain current rate information, phone 669.0177 or 800.428.8472. See your 'Important Account Information' brochure and 'Fee Schedule' for other disclosures, terms and conditions.

Additional Rates