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
| 3.44% |
60 Months |
2008-2012 models |
| 3.39% |
48 Months |
2008-2012 models |
| 3.34% |
36 Months |
2008-2012 models |
| 3.29% |
24 Months |
2008-2012 models |
| 3.69% |
72 Months |
2008-2012 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
| 3.44% |
48 months |
2004-2007 models |
| 3.39% |
36 months |
2004-2007 models |
| 3.34% |
24 months |
2004-2007 models |
| 3.44% |
36 months |
2003 models and older |
| 3.39% |
24 months |
2003 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
| 4.44% |
$50,000 + |
144 months plus .50% |
4.44% |
$10,000 to $50,000 |
120 months plus .25% |
| 4.44% |
$7,500 to $10,000 |
72 months |
4.44% |
Under $7,500 |
60 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 and availability.
All rates subject to change without notice. See a Health Care Credit Union Loan Representative for complete details.