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IRA & HSA
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Consumer Loan Rates

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Rates effective as of Oct 1, 2016. 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 6 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 3.18* 2.49 7.20* 6.49
$5000.00 up   Up to 42 months 3.59* 2.99 7.60* 6.99
$7500.00 up   Up to 48 months 3.25* 2.99 7.26* 6.99
$5000.00 up  - ATV & Jet Ski Up to 48 months 7.03* 6.49 11.05* 10.49
$10000.00 up   Up to 60 months 3.13* 2.99 7.14* 6.99
$15000.00 up   Up to 72 months 3.36* 3.24 7.87* 7.74
$25000.00 up  - Tiers 1, 2, & 3 only Up to 84 months 5.05* 4.99 N/A N/A
$50000.00 up  - Tiers 1 & 2 only Up to 96 months 6.52* 6.49 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 kiosk) origination fee.

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

Loan Amount Term Secured Unsecured
APR Rate APR Rate
Any   Up to 60 months 4.15** 3.99 5.55** 5.39
RV loan - $40000.00 up   Up to 180 months 4.61* 4.59 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 kiosk) origination fee.

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

Lines of Credit

Type of Loan Non-variable APR Variable APR Fixed APR
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) N/A 3.25* N/A
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) N/A 4.75* N/A
Express Loan Signature Line-of-Credit up to 36 months N/A 4.85** 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. 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 $99 origination fee.

Credit Cards

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

Additional Rates

Savings/Certificate Rates

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Rates effective as of Nov 1, 2016.

 

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%
Money Market** and Investment Shares $2,500 $4,999 0.20% 0.20%
$5,000 $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 $249,999 0.30% 0.30%
$250,000 0.30% 0.30%

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% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
6 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
12 Month 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
24 Month 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%
36 Month 1.31% 1.30% 1.36% 1.35% 1.41% 1.40% 1.46% 1.45%
48 Month 1.61% 1.60% 1.66% 1.65% 1.71% 1.70% 1.76% 1.75%
60 Month 1.91% 1.90% 1.96% 1.95% 2.02% 2.00% 2.07% 2.05%

Add On Certificates

*Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts, or $50/month automatic deposit on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done via online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Non-youth accounts must have HCU checking with payroll direct deposit. 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
30 Month Add-On 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%

* 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 Nov 1, 2016.

 

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% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
6 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
12 Month 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
24 Month 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%
36 Month 1.31% 1.30% 1.36% 1.35% 1.41% 1.40% 1.46% 1.45%
48 Month 1.61% 1.60% 1.66% 1.65% 1.71% 1.70% 1.76% 1.75%
60 Month 1.91% 1.90% 1.96% 1.95% 2.02% 2.00% 2.07% 2.05%

Add On Certificates

*Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts, or $50/month automatic deposit on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done via online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Non-youth accounts must have HCU checking with payroll direct deposit. 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
30 Month Add-On 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%

* 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 29, 2016.

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 3.8956% 3.8750% 3.6534% 3.6250% 3.1611% 3.1250% 3.0524% 3.0000%
1 Points 3.8530% 3.7500% 3.5167% 3.3750% 3.0554% 2.8750% 3.0126% 2.7500%
2 Points 3.8104% 3.6250% 3.5057% 3.2500% 3.0760% 2.7500% 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 4.0416% 4.0000% 3.8072% 3.7500% 3.3225% 3.2500% 3.2302% 3.1250%
1 Points 3.9997% 3.8750% 3.6711% 3.5000% 3.2177% 3.0000% 3.1913% 2.8750%
2 Points 3.9579% 3.7500% 3.6609% 3.3750% 3.2391% 2.8750% 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 4.3347% 4.2500% 4.1158% 4.0000% 3.6466% 3.5000% 3.5871% 3.3750%
1 Points 4.2944% 4.1250% 3.9812% 3.7500% 3.5433% 3.2500% 3.5502% 3.1250%
2 Points 4.2541% 4.0000% 3.9726% 3.6250% 3.5665% 3.1250% 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 4.5594% 4.3750% 4.3765% 4.1250% 4.0689% 3.7500% 4.0852% 3.6250%
1 Points 4.5205% 4.2500% 4.2431% 3.8750% 3.9679% 3.5000% 4.0517% 3.3750%
2 Points 4.4817% 4.1250% 4.2365% 3.7500% 3.9941% 3.3750% 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 Feb 1, 2015.

 

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%

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% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
6 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
12 Month 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
24 Month 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%
36 Month 1.31% 1.30% 1.36% 1.35% 1.41% 1.40% 1.46% 1.45%
48 Month 1.61% 1.60% 1.66% 1.65% 1.71% 1.70% 1.76% 1.75%
60 Month 1.91% 1.90% 1.96% 1.95% 2.02% 2.00% 2.07% 2.05%

Add On Certificates

*Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts, or $50/month automatic deposit on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done via online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Non-youth accounts must have HCU checking with payroll direct deposit. 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
30 Month Add-On 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%

Investment Shares and Certificates

Rates are equal to our consumer rates.

 

* 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