Loan Rates

Estimate your monthly payments using our LOAN CALCULATOR.

Patronage Discount

All loans except Line of Credit, Share and Certicate Secured, and Mortgage will be discounted .10% 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

3.25% 84 Months 2011-2014 models
3.00% 60-72 Months 2011-2014 models
2.95% 48 Months 2011-2014 models
2.90% 36 Months 2011-2014 models
2.85% 24 Months 2011-2014 models

If financing 100% of NADA value plus tax and licensing, add .10% to the rate.
90% of NADA High .05% discount.
80% of NADA High .10% discount.
70% of NADA High .15% discount.

Older Used Cars and Trucks

3.00% 48-60 months 2007-2010 models
2.95% 36 months 2007-2010 models
2.90% 24 months 2007-2010 models
3.00% 36-48 months 2006 models and older
2.95% 24 months 2006 models and older

If financing 100% of NADA value plus tax and licensing, add .10% to the rate.
90% of NADA High .05% discount.
80% of NADA High .10% discount.
70% of NADA High .15% discount.

Boats, Motorhomes & Travel Trailers

4.00% $50,000 + 144 months plus .50%
4.00% $10,000 to $50,000 120 months plus .25%
4.00% $7,500 to $10,000 72 months
4.00% Under $7,500 60 months

Motorcycles, Snowmobiles, ATVs, Small Watercraft, etc.

4.50% 48 months New
4.50% 36 months Used

Signature/Visa/Share & Certificate Secured

9.00% 12 months Signature
9.25% 24 months Signature
9.50% 36 months Signature
9.75% 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
+2.00% Share Secured 2% over declared dividend rate
+2.00% Cert. Secured 2% over secured Certificate rate

Home Equity (Loan Line of Credit)

Prime Rate - 1.0 Adjustable Rate    

First and Second Mortgage

Call for current rates and availability.

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