HCCU Rates

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Rates as of 12/01/2012
Auto Loan Rates Mortgage Loan Rates	Deposit Account Rates CD & IRA Rates

To see how low your payments could be based upon these rates, visit our calculators page.

While every effort is made to ensure the accuracy of information provided by this page, it should be used as a guideline. A more accurate payment quote can be calculated once you apply.

Loan Rates

For more information on our Loan Products, visit our Loans page.

New and Used Car and Motorcycle Rates	Annual Percentage Rate as low as:
36 Months	4.75% APR*
48 Months	5.00% APR
60 Months (New plus two prior model years)	5.25% APR
72 Months ($25,000 min. Cannot exceed NADA retail)	5.50% APR

*Terms of 60 months, estimated monthly payment of $28.64 per $1,000.00 borrowed. Rates subject to loan term, credit history and underwriting factors. Mortgage loans excluded. Down payment may be required based on credit history. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

HCCU Members who purchase through Enterprise Rental Car Sales and finance with HCCU will receive special promotions.

Visit their site at www.cuautodeals.com

Mortgage Loan Rates	Rates may vary based on terms.
1st MORTGAGE	Click here for more information.
HOME EQUITY LINE OF CREDIT	Click here for more information.

Other Loans	Annual Percentage Rate as low as:
**RECREATIONAL VEHICLES: 12-36 Months	7.50% APR
REVOLVING open line of credit (up to a 3 yr. term)	12.90% APR
PERSONAL LOAN (up to a 3 yr. term)	12.90% APR
90 DAY NOTE	12.90% APR
VISA CREDIT CARD	9.90% APR
LOAN SPECIAL (up to $2,000.00 for a 1yr term)	9.95% APR
SHARE SECURED LOAN	3.00% APR (above current rate on shares)

**Boat/Jet Skis/ATVs/ Trail Bikes/4Wheelers/Campers

All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

For Large Boats/RV please call for rates.

Deposit Rates

For more information on our Deposit Products, visit our Deposit Accounts page.

Deposit Products	Annual Percentage Rate	Annual Percentage Yield
Regular Shares (Savings) $25.00-$99.99 $100.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+	0.00% 0.05% 0.10% 0.10% 0.10% 0.10% 0.10%	0.00% 0.05% 0.10% 0.10% 0.10% 0.10% 0.10%
Kid$ Club/ Teen $cene	0.05%	0.05%
Christmas Club/ Vacation Club	0.05%	0.05%
IRA Share $5.00-$99.99 $100.00-$2,499.99 $2,500.00 - $9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000+	0.10% 0.10% 0.35% 0.35% 0.35% 0.35% 0.35%	0.10% 0.10% 0.35% 0.35% 0.35% 0.35% 0.35%
Share Draft / Checking (Classic, Student, Gold Club) $0.00-$499.99 $500.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+	0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%	0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
E-Checking $0.00-$499.99 $500.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+	0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%	0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
Fresh Start Checking	0.01%	0.01%
Money Market $0.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+	0.00% 0.15% 0.15% 0.15% 0.15% 0.15%	0.00% 0.15% 0.15% 0.15% 0.15% 0.15%

CD & IRA Rates

Certificate of Deposit & IRA Certificate of Deposit Rates	Dividend Rate	Annual Percentage Yield
3 Months	0.15%	0.15%
6 Months	0.25%	0.25%
12 Months	0.35%	0.35%
Youth CD - 12 Months	0.25%	0.25%
18 Months	0.50%	0.50%
24 Months	0.50%	0.50%
36 Months	0.75%	0.75%
48 Months	0.75%	0.75%
60 Months	1.00%	1.00%

All credit union loan and deposit rates, terms, and conditions are subject to change at any time without notice.

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