You may be eligible for a Loan Loyalty 0.25% Rate Discount!⁴
Rates effective as of 12/23/2024

Rates are subject to change without notice. Displayed rates are offered to members meeting select credit criteria; other rates are available based upon individual credit and ability to repay. Based on a $20,000 new auto loan at 4.99% APR, a payment example for 4 years would be a monthly payment of $460.50

Rates are subject to change without notice. Displayed rates are offered to members meeting select credit criteria; other rates are available based upon individual credit and ability to repay.
**Variable rate based on Prime Rate as published in the Wall Street Journal (which as of 12/23/2024 is 7.50%) plus or minus a margin based upon individual credit. Minimum APR is 4.00%, maximum APR is 18.00%, and the maximum combined loan-to-value (CLTV) is 80%. The minimum monthly payment during the draw period is calculated monthly based upon the current balance over the remaining term, is at least $50 or the full amount owed, whichever is less. 

For Fixed Rate Home Equity loans, a payment example based on a $25,000 loan at 5.99% APR, a payment example for 15 years would be a monthly payment of $210.83

Minimum payment is required on credit cards.

Based on a $15,000 signature loan at 10.99% APR, a payment example for 5 years would be a monthly payment of $326.06

Rates are subject to change and do not apply to existing loans.*

* APR = Annual Percentage Rate

1 LTV above 80% offered at a higher rate

2 Not eligible for residences in Alaska, Hawaii or Texas

3 New and Used Auto Loans up to 10 model years old

4 Members are eligible for a 0.25% rate discount on their next HEFCU loan when they have a HEFCU loan in good standing - either a current loan or a loan that has been paid in the last 18 months. The discount applies to current loan rates in effect at the time of loan application for the new loan. Discount applies to Auto, Personal and Fixed Rate Home Equity Loans, excluding refinances of existing HEFCU loans. It's our way of saying "Thank You" for giving HEFCU repeat loan business.

Certain conditions and restriction may apply to rates, fees, and limits.

Rates effective as of 12/30/2024

* APY = Annual Percentage Yield

1 Savings IRAs will earn dividend according to balance tier

2 Free Checks, Debit Cards, and Overdraft Protection

3 Minimum balance of $1,000 to open Share Certificate/Share Certificate IRA

4 Rates are accurate as of 12/30/2024. Rate is subject to change without notice. CD’s are prohibited from additional deposits after opening. The minimum deposit to open the promotional CD is $1,000 in new money (funds must not already be on deposit with HEFCU). The APY (Annual Percentage Yield) is determined by an assumption that dividends remain in the CD account until maturity. This CD automatically renews on the maturity date for the same term, and the dividend rate in effect at the time of maturity will be applied (there is a ten (10) day grace period, upon maturity only, to change the CD term or close the CD without penalty). Penalties apply for early withdrawal and will reduce dividends on the CD. If funds are withdrawn before the maturity date, the penalty will equal 180 days’ dividends on your certificate account.

Rates are subject to change.  Please call the credit union at (609) 951-0700 for the most current rates.

Certain conditions and restriction may apply to rates, fees, and limits.