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Vehicles
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Auto, Truck, Van, & Motorcycle Loans
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| New & Used (model year 2019 & newer)
|
Up to 125% of LTV
|
1.99%
1
2
|
N/A
|
Apply Online
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| Used (model year 2015 - 2018)
|
Up to 125% of LTV
|
3.54%
1
2
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N/A
|
Apply Online
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| Used (model year 2012 - 2014 & vintage/classic vehicles 25 yrs+)
|
Up to 100% of LTV
|
5.94%
1
2
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N/A
|
Apply Online
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Boat & RV Loans
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| New Boat & RV (never titled, less than 5,000 miles)
|
Up to 90% of purchase price including accessories, sales tax, fees, & warranties
|
7.00%
1
2
|
N/A
|
Apply Online
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| Used Boat & RV
|
Up to 90% of book value
|
7.25%
1
2
|
N/A
|
Apply Online
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Rates are accurate as of 03/04/2021 and are subject to change without notice. APR = Annual Percentage Rate
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Personal Loans & Credit Cards
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Visa Credit Cards
3
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| Visa Platinum Rewards
|
$30,000 maximum
|
N/A
|
12.25%
1
|
Apply Online
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| Visa Platinum
|
$30,000 maximum
|
N/A
|
11.25%
1
|
Apply Online
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| Visa Signature
|
$30,000 maximum
|
N/A
|
13.25%
1
|
Apply Online
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Personal Loans
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| Readi-Cash Unsecured Line of Credit
|
Increments of $100 up to $30,000 maximum
|
N/A
|
7.99%
1
2
|
Apply Online
|
| Signature (up to 12 months)
4
|
$30,000 maximum
|
6.99%
1
2
|
N/A
|
Apply Online
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| Signature (13-36 months)
4
|
$30,000 maximum
|
7.74%
1
2
|
N/A
|
Apply Online
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| Signature (37 to 60 months)
4
|
$30,000 maximum
|
8.74%
1
2
|
N/A
|
Apply Online
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| Personal Assistance Loan (6 months)
5
|
$200 minimum / $1,000 maximum
|
25.00%
|
N/A
|
Apply Through Internet/Mobile Banking
|
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Rates are accurate as of 03/04/2021 and are subject to change without notice. APR = Annual Percentage Rate
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Other Loans
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Secured Loans
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| Pledge of Certificate Account
|
100% of certificate balance
|
ADR+3%
6
|
N/A
|
Apply Online
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| Pledge of Savings
|
100% of savings balance
|
ADR+3%
6
|
N/A
|
Apply Online
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| Savings Secured Line of Credit
|
Increments of $100 up to 100% of savings balance
|
N/A
|
ADR+3%
6
|
Apply Online
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Rates are accurate as of 03/04/2021 and are subject to change without notice. APR = Annual Percentage Rate
|
Home Equities
|
Variable Rate Interest Only Home Equity Lines of Credit
7
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| TLTV up to 80%, 0.00 Margin
|
$5,000 minimum
|
N/A
|
Introductory 1.99% for first 12 billing cycles; 3.00% thereafter
1
2
8
|
Apply Online
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| TLTV 80.01- 90%, 2.75 Margin
|
$5,000 minimum
|
N/A
|
Introductory 1.99% for first 12 billing cycles; 5.75% thereafter
1
2
8
|
Apply Online
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| TLTV 90.01-100%, 2.75 Margin
|
$5,000 minimum
|
N/A
|
Introductory 1.99% for first 12 billing cycles; 5.75% thereafter
1
2
8
|
Apply Online
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Flex Lock Home Equity Line of Credit
7
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| TLTV up to 80%, .50 Margin
|
$5,000 minimum
|
N/A
|
3.50%
1
2
|
Apply Online
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| TLTV 80.01- 90%, 3.25 Margin
|
$5,000 minimum
|
N/A
|
6.25%
1
2
|
Apply Online
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| TLTV 90.01- 100%, 3.25 Margin
|
$5,000 minimum
|
N/A
|
6.25%
1
2
|
Apply Online
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Fixed Rate Home Equity Loans
7
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| To 84 Months TLTV up to 80%
9
|
$5,000 minimum
|
4.75%
1
2
|
N/A
|
Apply Online
|
| To 84 Months TLTV 80.01%-90%
9
|
$5,000 minimum
|
5.60%
1
2
|
N/A
|
Apply Online
|
| To 84 Months TLTV 90.01%-100%
9
|
$5,000 minimum
|
7.25%
1
2
|
N/A
|
Apply Online
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| 85 to 120 Months TLTV up to 80%
9
|
$5,000 minimum
|
4.85%
1
2
|
N/A
|
Apply Online
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| 85 to 120 Months TLTV 80.01%-90%
9
|
$5,000 minimum
|
5.85%
1
2
|
N/A
|
Apply Online
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| 85 to 120 Months TLTV 90.01%-100%
9
|
$5,000 minimum
|
7.25%
1
2
|
N/A
|
Apply Online
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| 121 to 180 Months TLTV up to 80%
9
|
$5,000 minimum
|
5.00%
1
2
|
N/A
|
Apply Online
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| 121 to 180 Months TLTV 80.01%-90%
9
|
$5,000 minimum
|
6.00%
1
2
|
N/A
|
Apply Online
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| 121 to 180 Months TLTV 90.01%-100%
9
|
$5,000 minimum
|
7.25%
1
2
|
N/A
|
Apply Online
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| 181 to 240 Months TLTV up to 80%
9
|
$5,000 minimum
|
5.25%
1
2
|
N/A
|
Apply Online
|
| 181 to 240 Months TLTV 80.01%-90%
9
|
$5,000 minimum
|
6.59%
1
2
|
N/A
|
Apply Online
|
| 181 to 240 Months TLTV 90.01%-100%
9
|
$5,000 minimum
|
7.25%
1
2
|
N/A
|
Apply Online
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Solar Panel Loans
| Account |
Minimum / Maximum Financing |
Fixed APR |
Variable APR |
Apply |
| 180 month loan LTV up to 125%
10
|
$30,000 maximum
|
6.25%
1
2
|
N/A
|
Apply Online
|
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Rates are accurate as of 03/04/2021 and are subject to change without notice. APR = Annual Percentage Rate
RATES DISCLOSURES
1 Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle loans, the selected term for home equity loans, and on the total amount financed for home equity loans and home equity lines of credit, and the selected term for signature loans. Total amount financed, term, and use of either MSRP or factory invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book values for used vehicles. Total amount financed for home equity loans and home equity lines of credit is based on an evaluation of applicant credit, appraised value, and existing liens (LTV). Your rate and total amount financed may vary from the stated rate and maximum financing.
Variable rates are subject to increase. The maximum APR is 18%.
LTV=Loan to Value. TLTV(Total Loan to Value) is a total of all liens, including the requested amount divided by the appraised value.
ADR= Annual Dividend Rate |
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2 The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans. |
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3 The fee for cash advances is 2% of advance amount. The fee for international transactions for the Visa Platinum Card is equal to the exchange rate + 1% of the transaction. Visa Signature Card has no foreign transaction fee. |
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4 As an example, a 5-year, 12.24% fixed rate signature loan for $15,000 would result in 60 monthly payments of $343.14. |
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5 As an example, a 6-month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03. Your actual payment may be higher. Rate is based on member's relationship with HVCU. An application fee of $20 is charged for every PAL application, whether or not the loan is approved. |
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6 ADR=Annual Dividend Rate |
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7 Homeowner’s insurance required. Loans and lines of credit over $150,000 also require title insurance. |
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8 The introductory rate will be in effect the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable Rate. |
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9 As an example, a $100,000, 180-month term with 80% LTV at a fixed rate of 5.25% APR would result in an estimated payment of $803.88. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher. |
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10 As an example, a $30,000 180-month solar panel loan with a fixed rate of 6.50% APR would result in an estimated payment of $261.33. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher. |
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