Rates

Interest rates are subject to change without notice
Effective date – October 11, 2016
  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, motorhomes, campers, etc.
2016 – 2017 72 months 7.00% – 8.00% 100% of NADA or MSRP
2012 – 2015 60 months 6.00% – 12.25% 100% of NADA
2008 – 2011 54 months 6.50% – 12.50% 100% of NADA
2004 – 2007 36 months 6.50% – 13.00% 100% of NADA
2003 and older 30 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 0.40% APY $500 & Above
0.50% APY Renewal
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.