Interest Rates
Loans over $10,000
Origination fee = $75
Interest Rates
Secured/Title Loans 0-36 months (New-2016) | Secured/Title Loans 37-72 months (New-2016) | Different Rates Apply to vehicles older than 2016 or when included in our Overdrive Program. Call to verify current rate. | |
|---|---|---|---|
| A+ credit rating (740+) | 2.50%* | 3.00%* | |
| A credit rating (700-739) | 3.25%* | 3.50%* | |
| B credit rating (650-699) | 4.50%* | 5.00%* | |
| C credit rating (600-649) | 8.00%* | 8.50%* |
Secured/Title Loans
0-36 months (New-2016)
Secured/Title Loans
37-72 months (New-2016)
Loans under $10,000
Origination fees
- Less than $2,500 = 2% of loan amount
- Between $2,500 and $10,000 = $50
Interest Rates
Secured/Title Loans 0-36 months (New-2016) | Secured/Title Loans 37-72 months (New-2016) | Different rates apply to vehicles older than 2016 or when included in our Overdrive Program. Call to verify current rate. | |
|---|---|---|---|
| A+ credit rating (740+) | 3.50%* | 3.75%* | |
| A credit rating (700-739) | 4.00%* | 4.25%* | |
| B credit rating (650-699) | 5.50%* | 6.00%* | |
| C credit rating (600-649) | 9.00%* | 9.50%* |
Secured/Title Loans
0-36 months (New-2016)
Secured/Title Loans
37-72 months (New-2016)
Secured/UCC Loans
Interest Rates
| 0-36 months | 37-72 months | |
|---|---|---|
A+ credit rating (740+) | 5.00%* | 5.50%* |
| A credit rating (700-739) | 6.00%* | 6.50%* |
| B credit rating (650-699) | 8.00%* | 8.50%* |
| C credit rating (600-649) | 13.00%* | 13.50%* |
A+ credit rating (740+)
5.00%*A+ credit rating (740+)
5.50%*Signature Loans
up to $2,500
Interest Rates
| 24-month term | |
|---|---|
| A+ credit rating (740+) | 7.00%* |
| A credit rating (700-739) | 8.00%* |
| B credit rating (650-699) | 10.00%* |
| C credit rating (600-649) | 15.00%* |
*NOTICE: Interest rates listed are APR* (Annual Percentage Rate). All rates are subject to credit approval and are subject to change without notice. Rates apply to new HGECU loans and refinances from other financial institutions. Your rate will be determined by your credit performance and security offered. All considerations and qualifying factors will be reviewed. Different rates apply to vehicles older than 2016.
Your interest rate may vary based on mitigating factors. Please contact the Credit Union for your individual rate.
IRAs, Savings, Checking and Money Market Rates
Interest Rates
| Rate | APY** | |
|---|---|---|
| Savings | 0.25 | 0.25** |
| Checking | 0.25 | 0.25** |
Money Market ($2,500-$24,999) | 0.25 | 0.25** |
Money Market ($25,000 & up) | 0.50 | 0.50** |
| IRA | 0.75 | 0.75** |
Money Market
($2,500-$24,999)
0.25Money Market
($25,000 & up)
0.50Money Market
($2,500-$24,999)
0.25**Money Market
($25,000 & up)
0.50**IRA CD Rates
Deposit Amount: $500 to $999,999
Interest Rates
| Rate | APY** | |
|---|---|---|
| 36-month term | 1.85 | 1.86** |
| 60-month term | 2.25 | 2.27** |
| Bump CD (60-month) | 2.25 | 2.27** |
CD Rates
Interest Rates
| 6-month CD | 12-month CD | 24-month CD | 36-month CD | 60-month CD | |
|---|---|---|---|---|---|
| $250-$999 | Rate: 0.75% APY: 0.75%** | Rate: 1.00% APY: 1.00** | |||
| $1,000-$9,999 | Rate: 0.75% APY: 0.75%** | Rate: 1.00% APY: 1.00%** | Rate: 1.25% APY: 1.26%** | Rate: 1.50% APY: 1.51%** | Rate: 2.25% APY: 2.27%** |
| $10,000-$24,999 | Rate: 0.75% APY: 0.75%** | Rate: 1.00% APY: 1.00%** | Rate: 1.25% APY: 1.26%** | Rate: 1.50% APY: 1.51%** | Rate: 2.25% APY: 2.27%** |
| $25,000-$49,999 | Rate: 0.75% APY: 0.75%** | Rate: 1.00% APY: 1.00%** | Rate: 1.25% APY: 1.26%** | Rate: 1.50% APY: 1.51%** | Rate: 2.25% APY: 2.27%** |
| $50,000+ | Rate: 0.75% APY: 0.75%** | Rate: 1.00% APY: 1.00%** | Rate: 1.25% APY: 1.26%** | Rate: 1.50% APY: 1.51%** | Rate: 2.25% APY: 2.27%** |
Rate: 0.75%
APY: 0.75%**
Rate: 0.75%
APY: 0.75%**
Rate: 0.75%
APY: 0.75%**
Rate: 0.75%
APY: 0.75%**
Rate: 0.75%
APY: 0.75%**
Rate: 1.00%
APY: 1.00**
Rate: 1.00%
APY: 1.00%**
Rate: 1.00%
APY: 1.00%**
Rate: 1.00%
APY: 1.00%**
Rate: 1.00%
APY: 1.00%**
Rate: 1.25%
APY: 1.26%**
Rate: 1.25%
APY: 1.26%**
Rate: 1.25%
APY: 1.26%**
Rate: 1.25%
APY: 1.26%**
Rate: 1.50%
APY: 1.51%**
Rate: 1.50%
APY: 1.51%**
Rate: 1.50%
APY: 1.51%**
Rate: 1.50%
APY: 1.51%**
Rate: 2.25%
APY: 2.27%**
Rate: 2.25%
APY: 2.27%**
Rate: 2.25%
APY: 2.27%**
Rate: 2.25%
APY: 2.27%**
**APY = Annual Percentage Yield
Bump CDs are permitted one "bump" per calendar year to the current rate of a like term fixed rate CD. For additional info, contact us.
All rates subject to change without notice.
Early withdrawals on time deposits may incur penalty. For Truth in Savings disclosure, see Account Terms.
