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Interest Rates

Loan Rates

Effective 9/22/2022

 
Consumer secured

Term 0 - 48 Month

APR rates as Low as:

Term 49 - 60 Months

APR Rates as Low as:

Term 61 - 72 Months

APR Rates as Low as:

New Auto - up to 3 years old  

4.24%4.49%4.74%
Used Auto - 10 years or newer5.24%5.49%5.74%
Auto's over 10 years old5.49%N/AN/A
Motorcycles, Campers, Boats. ATV, RV's5.49%5.74%

N/A

All rates and terms are with approved credit.Example of rates are based on credit score above 740.  Other rates are available.  Contact us for details.Origination Fee may applyLoyalty Points are available. With loyalty points, you may qualify for a lower interest rate.  Contact your loan officer to see if you qualify for loyalty points.

Term 0 - 48 Month

APR rates as Low as:

New Auto - up to 3 years old  

4.24%
Used Auto - 10 years or newer
5.24%
Auto's over 10 years old
5.49%
Motorcycles, Campers, Boats. ATV, RV's
5.49%
All rates and terms are with approved credit.
Example of rates are based on credit score above 740.  Other rates are available.  Contact us for details.

Term 49 - 60 Months

APR Rates as Low as:

New Auto - up to 3 years old  

4.49%
Used Auto - 10 years or newer
5.49%
Auto's over 10 years old
N/A
Motorcycles, Campers, Boats. ATV, RV's
5.74%
All rates and terms are with approved credit.
Origination Fee may apply

Term 61 - 72 Months

APR Rates as Low as:

New Auto - up to 3 years old  

4.74%
Used Auto - 10 years or newer
5.74%
Auto's over 10 years old
N/A
Motorcycles, Campers, Boats. ATV, RV's

N/A

All rates and terms are with approved credit.
Loyalty Points are available. With loyalty points, you may qualify for a lower interest rate.  Contact your loan officer to see if you qualify for loyalty points.
 

Home Equity Rates

 
Consumer Secured loans

Rate*

Points

Annual Percentage Rate* (APR)

Up to 36 Months

4.50%0.00%6.257%
37 - 60 Months5.25%0.00%6.340%
61-84 Months6.00%0.00%6.713%
85-120 Months6.75%0.00%7.342%
*Rates are based on less than 80% loan to value.​​​​​​​Representative Example:  60 Months term payments of $19.94 for each $1,000 borrowed at 6.257% APR (Annual Percentage Rates)With approved credit.APR shown are based on a $15,000 home equity loan with $389 estimated closing costs.

Rate*

Up to 36 Months

4.50%
37 - 60 Months
5.25%
61-84 Months
6.00%
85-120 Months
6.75%
*Rates are based on less than 80% loan to value.
​​​​​​​Representative Example:  60 Months term payments of $19.94 for each $1,000 borrowed at 6.257% APR (Annual Percentage Rates)

Points

Up to 36 Months

0.00%
37 - 60 Months
0.00%
61-84 Months
0.00%
85-120 Months
0.00%
*Rates are based on less than 80% loan to value.
With approved credit.

Annual Percentage Rate* (APR)

Up to 36 Months

6.257%
37 - 60 Months
6.340%
61-84 Months
6.713%
85-120 Months
7.342%
*Rates are based on less than 80% loan to value.
APR shown are based on a $15,000 home equity loan with $389 estimated closing costs.
 

Other Loan Rates

 
Personal, unsecured loans

36-month term 

APR rates as low as:

Signature Loans9.50%
All rates and terms are with approved credit.Example of rates are based on credit score above 740.  Other rates are available.  Contact us for details.

36-month term 

APR rates as low as:

Signature Loans
9.50%
All rates and terms are with approved credit.
Example of rates are based on credit score above 740.  Other rates are available.  Contact us for details.
 

*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. 

Your interest rate may vary based on mitigating factors. Please contact the Credit Union for your individual rate.

Apply for a Loan

 

Share Rates

 
open ended accounts
RateAPY**
Savings0.05%0.05%**
Checking0.05%0.05%**

Money Market

($2,500-$24,999)

0.10%0.10%**

Money Market

($25,000 & up)

0.25%0.25%**
IRA0.50%0.50%**
Rate
Savings
0.05%
Checking
0.05%

Money Market

($2,500-$24,999)

0.10%

Money Market

($25,000 & up)

0.25%
IRA
0.50%
APY**
Savings
0.05%**
Checking
0.05%**

Money Market

($2,500-$24,999)

0.10%**

Money Market

($25,000 & up)

0.25%**
IRA
0.50%**
 

IRA CD Rates

 

 
IRAs
RateAPY**
36-month term0.80%0.802%**
60-month term0.95%0.952%**
Bump CD (60-month)0.95%0.952%**
Rate
36-month term
0.80%
60-month term
0.95%
Bump CD (60-month)
0.95%
APY**
36-month term
0.802%**
60-month term
0.952%**
Bump CD (60-month)
0.952%**
 

CD Rates

 
CDs
6-month CD12-month CD24-month CD36-month CD48-month CD
$250 and up

Rate: 0.25%

APY: 0.25%**

Rate: 0.30%

APY: 0.30**

$1,000 and up

Rate: 0.25%

APY: 0.25%**

Rate: 0.30%

APY: 0.30%**

Rate: 0.65%

APY: 0.651%**

Rate: 0.80%

APY: 0.802%**

$2,500 and up

Rate: 0.25%

APY: 0.25%**

Rate: 0.30%

APY: 0.30%**

Rate: 0.65%

APY: 0.651%**

Rate: 0.80%

APY: 0.802%**

Rate: 0.90%

APY:  0.903%

6-month CD
$250 and up

Rate: 0.25%

APY: 0.25%**

$1,000 and up

Rate: 0.25%

APY: 0.25%**

$2,500 and up

Rate: 0.25%

APY: 0.25%**

12-month CD
$250 and up

Rate: 0.30%

APY: 0.30**

$1,000 and up

Rate: 0.30%

APY: 0.30%**

$2,500 and up

Rate: 0.30%

APY: 0.30%**

24-month CD
$250 and up
$1,000 and up

Rate: 0.65%

APY: 0.651%**

$2,500 and up

Rate: 0.65%

APY: 0.651%**

36-month CD
$250 and up
$1,000 and up

Rate: 0.80%

APY: 0.802%**

$2,500 and up

Rate: 0.80%

APY: 0.802%**

48-month CD
$250 and up
$1,000 and up
$2,500 and up

Rate: 0.90%

APY:  0.903%

 

**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.

 
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