Interest Rates

Loans over $10,000

Origination fee = $75

Interest Rates

Consumer secured
	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)

A+ credit rating (740+) 2.50%*

A credit rating (700-739) 3.25%*

B credit rating (650-699) 4.50%*

C credit rating (600-649) 8.00%*

Secured/Title Loans

37-72 months (New-2016)

A+ credit rating (740+) 3.00%*

A credit rating (700-739) 3.50%*

B credit rating (650-699) 5.00%*

C credit rating (600-649) 8.50%*

Different Rates Apply to vehicles older than 2016 or when included in our Overdrive Program. Call to verify current rate.

A+ credit rating (740+)

A credit rating (700-739)

B credit rating (650-699)

C credit rating (600-649)

Loans under $10,000

Origination fees

Less than $2,500 = 2% of loan amount
Between $2,500 and $10,000 = $50

Interest Rates

Consumer Secured loans
	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)

A+ credit rating (740+) 3.50%*

A credit rating (700-739) 4.00%*

B credit rating (650-699) 5.50%*

C credit rating (600-649) 9.00%*

Secured/Title Loans

37-72 months (New-2016)

A+ credit rating (740+) 3.75%*

A credit rating (700-739) 4.25%*

B credit rating (650-699) 6.00%*

C credit rating (600-649) 9.50%*

Different rates apply to vehicles older than 2016 or when included in our Overdrive Program. Call to verify current rate.

A+ credit rating (740+)

A credit rating (700-739)

B credit rating (650-699)

C credit rating (600-649)

Secured/UCC Loans

Interest Rates

Consumer Secured loans
	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%*

0-36 months

A+ credit rating (740+)

5.00%*

A credit rating (700-739) 6.00%*

B credit rating (650-699) 8.00%*

C credit rating (600-649) 13.00%*

37-72 months

A+ credit rating (740+)

5.50%*

A credit rating (700-739) 6.50%*

B credit rating (650-699) 8.50%*

C credit rating (600-649) 13.50%*

Signature Loans

up to $2,500

Interest Rates

Personal, unsecured loans
	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%*

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

open ended accounts
	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**

Rate

Savings 0.25

Checking 0.25

Money Market

($2,500-$24,999)

0.25

Money Market

($25,000 & up)

0.50

IRA 0.75

APY**

Savings 0.25**

Checking 0.25**

Money Market

($2,500-$24,999)

0.25**

Money Market

($25,000 & up)

0.50**

IRA 0.75**

IRA CD Rates

Deposit Amount: $500 to $999,999

Interest Rates

IRAs
	Rate	APY**
36-month term	1.85	1.86**
60-month term	2.25	2.27**
Bump CD (60-month)	2.25	2.27**

Rate

36-month term 1.85

60-month term 2.25

Bump CD (60-month) 2.25

APY**

36-month term 1.86**

60-month term 2.27**

Bump CD (60-month) 2.27**

CD Rates

Interest Rates

CDs
	6-month CD	12-month CD	24-month CD	36-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: 1.15% APY: 1.15%**	Rate: 1.25% APY: 1.26%**
$10,000-$24,999	Rate: 0.75% APY: 0.75%**	Rate: 1.00% APY: 1.00%**	Rate: 1.15% APY: 1.15%**	Rate: 1.25% APY: 1.26%**
$25,000-$49,999	Rate: 0.75% APY: 0.75%**	Rate: 1.00% APY: 1.00%**	Rate: 1.15% APY: 1.15%**	Rate: 1.25% APY: 1.26%**
$50,000+	Rate: 0.75% APY: 0.75%**	Rate: 1.00% APY: 1.00%**	Rate: 1.15% APY: 1.15%**	Rate: 1.25% APY: 1.26%**

6-month CD

$250-$999

Rate: 0.75%

APY: 0.75%**

$1,000-$9,999

Rate: 0.75%

APY: 0.75%**

$10,000-$24,999

Rate: 0.75%

APY: 0.75%**

$25,000-$49,999

Rate: 0.75%

APY: 0.75%**

$50,000+

Rate: 0.75%

APY: 0.75%**

12-month CD

$250-$999

Rate: 1.00%

APY: 1.00**

$1,000-$9,999

Rate: 1.00%

APY: 1.00%**

$10,000-$24,999

Rate: 1.00%

APY: 1.00%**

$25,000-$49,999

Rate: 1.00%

APY: 1.00%**

$50,000+

Rate: 1.00%

APY: 1.00%**

24-month CD

$250-$999

$1,000-$9,999

Rate: 1.15%

APY: 1.15%**

$10,000-$24,999

Rate: 1.15%

APY: 1.15%**

$25,000-$49,999

Rate: 1.15%

APY: 1.15%**

$50,000+

Rate: 1.15%

APY: 1.15%**

36-month CD

$250-$999

$1,000-$9,999

Rate: 1.25%

APY: 1.26%**

$10,000-$24,999

Rate: 1.25%

APY: 1.26%**

$25,000-$49,999

Rate: 1.25%

APY: 1.26%**

$50,000+

Rate: 1.25%

APY: 1.26%**

**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.