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Rates

You may be eligible for a Loan Loyalty 0.25% Rate Discount!6

Vehicle
Loan Type1 APR* Term Rate Effective
New/Used Auto or Motorcycle5 as low as 4.50% Up to 48 months 12/19/2022
New/Used Auto or Motorcycle5 as low as 4.74% 60 months 12/19/2022
New/Used Auto or Motorcycle5 as low as 5.00% 72 months 12/19/2022
New/Used Auto or Motorcycle5 as low as 6.49% 84 months 12/19/2022
Real Estate
Loan Type1 APR Limit Rate Effective
5 Yr Fixed Home Equity4 as low as 4.99% Up to 80% LTV3 12/19/2022
7 Yr Fixed Home Equity4 as low as 5.24% Up to 80% LTV3 12/19/2022
10 Yr Fixed Home Equity4 as low as 5.49% Up to 80% LTV3 12/19/2022
15 Yr Fixed Home Equity4 as low as 5.99% Up to 80% LTV3 12/19/2022
20 Yr Fixed Home Equity4 as low as 6.49% Up to 80% LTV3 12/19/2022
5 Yr Balloon Loan Variable4 4.74% Up to 80% LTV 12/19/2022
Variable (Home Equity Line of Credit)2, 4 As low as Prime minus 0.75% Up to 80% LTV N/A
5-20 Yr First Lien Home Equity4 4.74% - 6.24% Up to 70% LTV 12/19/2022
VISA
Card Type1 Rate Annual Fee
VISA Credit Card Classic 12.00% No
VISA Credit Card Platinum 8.99% No
Personal (Unsecured)
Loan Type1 APR* Limit Rate Effective
Unsecured as low as 8.99% $15,000 12/19/2022
Share Secured
Loan Type1 APR* Limit Rate Effective
100% Share Secured 5.25% No Limit 12/19/2022

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

* APR = Annual Percentage Rate

1 Loan rates and/or eligibility are determined by the member’s credit score

2 Minimum APR is 4.00% and maximum is 18.00%; APR is floor rate when Index + Margin is below the floor

3 LTV above 80% offered at a higher rate

4 New Jersey and Pennsylvania residence only

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

6 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.

Please call the credit union at (609) 951-0700 or (800) 624-3312 for the most current rates.

Loan rates and/or Eligibility are determined by the member’s credit score

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

Savings Account
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 10/01/2022
$500.01 to $5,000.00 0.10% 0.10% 10/01/2022
$5,000.01 to $20,000.00 0.25% 0.25% 10/01/2022
Over $20,000.00 0.40% 0.40% 10/01/2022
Club Accounts
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 10/01/2022
$500.01 to $5,000.00 0.10% 0.10% 10/01/2022
$5,000.01 to $20,000.00 0.25% 0.25% 10/01/2022
Over $20,000.00 0.40% 0.40% 10/01/2022
Savings IRA Accounts1
Average Daily Balance Rate APY* Rate Effective
$100.00 to $500.00 0.01% 0.01% 10/01/2022
$500.01 to $5,000.00 0.10% 0.10% 10/01/2022
$5,000.01 to $20,000.00 0.25% 0.25% 10/01/2022
Over $20,000.00 0.40% 0.40% 10/01/2022
Free Checking Account
Average Daily Balance Rate APY* Rate Effective
Over $1,000.00 0.05% 0.05% 01/01/2017
Money Market Account2
Average Daily Balance Rate APY* Rate Effective
$5,000.00 to $50,000.00 0.50% 0.50% 12/01/2022
$50,000.01 to $99,999.99 0.75% 0.75% 12/01/2022
$100,000 + 0.90% 0.90% 12/01/2022
Share Certificates / Share Certificate IRA3
Term Rate APY* Rate Effective
6 Month 0.25% 0.25% 12/14/2022
12 Month 0.40% 0.40% 12/14/2022
24 Month 0.60% 0.60% 12/14/2022
36 Month 0.70% 0.70% 12/14/2022
48 Month 0.80% 0.80% 12/14/2022
60 Month 0.90% 0.90% 12/14/2022

* 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

Rates are subject to change.  Please call the credit union at (609) 951-0700 or (800) 624-3312 for the most current rates.

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

  • Auto Loan

    as low as
    4.50
    %
    APR*
    Calculate
  • Credit Card

    as low as
    8.99
    %
    APR*
    Calculate
  • Home Equity Loans

    as low as
    4.99
    %
    APR*
    Calculate
  • Share Secured Loan

    as low as
    5.25
    %
    APR*
    Calculate