Rates

Interest rates are subject to change without notice
Effective date – JANUARY 11, 2021

* LOAN SPECIAL *

2.90% APR

2015-2021 VEHICLES FOR A LIMITED TIME TO QUALIFYING MEMBERS.

*RV/Camper SPECIAL! 2017 – 2021*

Must borrow at least $25,000 – 73-120 months

lowest rate 5.50% APR for qualifying members.
  Terms APR* Max Amount
Share/Savings Secured
24-60 months 2.500% + $50,000 per member
The maximum total loans any member can have in his/her name is $50,000
Vehicles:  cars, trucks, vans, SUVs, boats, jet skis, snowmobiles, motorcycles, ATVs, motor homes, campers, etc.
2020 – 2021 up to 84 months 6.00% – 7.00% 100% of NADA or MSRP
2017 – newer up to 72 months 5.00% – 11.25% 100% of NADA
2013 – 2016 up to 60 months 6.00% – 12.00% 100% of NADA
2010 – 2012 up to 48 months 6.50% – 13.00% 100% of NADA
2009 & older up to 36 months 7.50% – 13.25% 100% of NADA
Unsecured Loans
36 months 11.00% – 14.50% $2,500 per member
Line of credit 36 months 12.50% $2,000 per member
Savings
APR – 0.25% 0.25% APY
The dividend rate and annual percentage yield may change every dividend period as determined by the CU Board of Directors
Share Certificate
12 Month Certificates 0.50% APY $500 & Above
(Subject to substantial penalties)

APY = Annual Percentage Yield
APR = Annual Percentage Rate

Members Plus Program (except for share/certificate-secured loans)
A member may get 0.25% reduction on his/her APR for each of the following to a maximum of 0.50%

  • Payroll deduction or automatic withdrawal
  • Present or past loans at HBTFCU
  • Share certificate (CD)
  • Debt ratio 30% or under.

The Members Plus Program does not apply to rates for any loan specials advertised by the credit union.