Estimate your monthly payments using our LOAN CALCULATOR.


Loan Rates

As of December 17, 2008

Patronage Discount
All loans except Line of Credit, Share and Certicate Secured, and Mortgage will be discounted .25% if you have a Primary Checking Account(minimum of 6 months) with us, or pledge 10% of the original loan amount in shares.

New & Used Cars and Trucks

5.80% 60 Months 2005-2008 models
5.70% 48 Months 2005-2008 models
5.60% 36 Months 2005-2008 models
5.50% 24 Months 2005-2008 models
6.05% 72 Months 2006-2008 models

If financing 100% of NADA value plus tax and licensing, add .10% to the rate.
90% of NADA High .10% discount.
80% of NADA High .20% discount.
70% of NADA High .30% discount.

Older Used Cars and Trucks


5.80% 48 months 2001-2004 models
5.70% 36 months 2001-2004 models
5.60% 24 months 2001-2004 models
5.80% 36 months 2000 models and older
5.70% 24 months 2000 models and older

If financing 100% of NADA value plus tax and licensing, add .10% to the rate.
90% of NADA High .10% discount.
80% of NADA High .20% discount.
70% of NADA High .30% discount.

New Boats, Motorhomes & Travel Trailers (includes 1 year old used)

5.80% 60 months

Used Boats, Motorhomes & Travel Trailers

8.40% 48 months

Motorcycles, Snowmobiles, ATVs, Small Watercraft, etc.

8.40% 36 months New
8.40% 24 months Used

Signature/Visa/Share & Certificate Secured

10.90% 12 months Signature
11.90% 24 months Signature
12.90% 36 months Signature
13.90% 48 months Signature
11.90% Visa Classic Credit Card No Annual Fee with Cash Rebate
9.90% Visa Classic Credit Card No Annual Fee
8.90% Visa Classic Credit Card $10 Annual Fee
9.90% Visa Platinum Credit Card No Annual Fee
11.90% Visa Platinum Credit Card No Annual Fee with Scorecard Rewards
+4.00% Share Secured 4% over declared dividend rate
+4.00% Cert. Secured 4% over secured Certificate rate

Home Equity (Loan Line of Credit)

Prime Rate - 1.0 Adjustable Rate

First and Second Mortgage

Call for current rates.

All rates subject to change without notice. See a Health Care Credit Union Loan Representative for complete details.