Rates
| Interest rates are subject to change without notice Effective date – January 15, 2019 |
| 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
LOAN SPECIAL – 3.00% APR ON 2017-2020 VEHICLES (CARS & PU) STARTING SEPTEMBER 1, 2019 FOR A LIMITED TIME TO QUALIFYING MEMBERS cars, trucks, vans, SUVs, boats, jet skis, snowmobiles, motorcycles, ATVs, motorhomes, campers, etc. |
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| 2017 – 2019 | 72 months | 6.00% – 7.00% | 100% of NADA or MSRP |
| 2014 – 2019 | 60 months | 5.00% – 11.25% | 100% of NADA |
| 2010 – 2013 | 54 months | 6.00% – 12.00% | 100% of NADA |
| 2006 – 2009 | 36 months | 6.50% – 13.00% | 100% of NADA |
| 2005 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 | 1.50% 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.
