Rates
Share Rates
Effective : 02/18/2025
| Type | APR | APY |
|---|---|---|
| Primary Share ($30.00 minimum balance required) | 0.60% | 0.60% |
| Secondary Shares (No minimum balance required) | 0.60% | 0.60% |
| Christmas Club (Penalty may be imposed for early withdrawal) | 2.00% | 2.00% |
Shares: APY – (Annual Percentage Yield) is accurate as of the last dividend declaration date.
HSA Rates
Effective : 02/18/2025
| Type | APR | APY |
|---|---|---|
| HSA Share Draft | 0.60% | 0.60% |
Shares: APY – (Annual Percentage Yield) is accurate as of the last dividend declaration date.
Term Share Rates
| Type | APR | APY** |
|---|---|---|
| 3 mo - $1,000.00 minimum | 4.25% | 4.32% |
| 6 mo - $1,000.00 minimum | 4.25% | 4.32% |
| 12 mo - $1,000.00 minimum | 4.15% | 4.22% |
| 15 mo - $1,000.00 minimum | 3.85% | 3.91% |
| 18 mo - $1,000.00 minimum | 3.85% | 3.91% |
**APY is annual percentage yield. Rates quoted are in effect 04/01/2025 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.
Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity.
Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.
Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.
You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.
Mortgage Loan Rates
Longer amortization terms available - Click on Loan Products under the Services Tab for more information| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 80% LTV 5 year fixed rate | 5.250% | 5 yr fixed | $18.99 |
| 90% LTV 5 year fixed rate | 6.250% | 5 yr fixed | $19.45 |
| 80% LTV 10 year fixed rate | 5.500% | 10 yr fixed | $10.85 |
| 90% LTV 10 year fixed rate | 6.500% | 10 yr fixed | $11.35 |
| 80% LTV 15 year fixed rate | 5.750% | 15 yr fixed | $8.30 |
| 90% LTV 15 year fixed rate | 6.750% | 15 yr fixed | $8.85 |
| 80% LTV 10 year balloon, 30 yr amortization | 6.000% | 10 yr fixed | $6.00 |
| 90% LTV 10 year balloon, 30 yr amortization | 7.000% | 10 yr fixed | $6.66 |
| Home Equity Line of Credit Rates Based on the Wall Street Journal prime rate. APR is variable. |
APR |
|---|---|
| Minimum Loan Amount $5,000.00 | Maximum Loan Amount $50,000.00 | 7.50% |
Effective 1/1/2025. Subject to change without notice
All loan rates stated are Annual Percentage Rates (APR)
Minimum loan requirements apply. Restrictions may apply
LTV = Loan to Value
***Monthly Payment based on payment per $1,000.00 for APR rate and term
Auto Loan Rates*
Titled Vehicles Only | APR as low as
| Year | APR | Term | Monthly Payment*** |
|---|---|---|---|
| New Autos & Used Autos 2025 - 2017* | 4.75% | 60 mo | $18.75 |
| 4.75% | 72 mo | $15.99 | |
| 5.50% | 84 mo | $14.37 | |
| Older Used Auto 2016 & Older* | 4.90% | 36 mo | $29.92 |
| 5.25% | 48 mo | $23.14 | |
| 5.40% | 60 mo | $19.05 |
Effective 02/18/2025. Subject to change without notice
All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.
Loan terms and conditions are based on credit qualifications, relationship, and approval. Rates, terms, and conditions are subject to change.
*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer
***Monthly Payment based on payment per $1,000.00 for APR rate and term
RV, Boat & Motorcycle Loans*
| Year | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 2025 - 2017* | 5.75% | 48 mo | $23.37 |
| 6.00% | 60 mo | $19.33 | |
| 6.50% | 84 mo | $14.85 | |
| 7.00% | 120 mo | $11.61 | |
| 2016 & Older* | 6.00% | 36 mo | $30.41 |
| 6.50% | 48 mo | $23.71 | |
ATV, Snowmobiles, Other Secured Vehicle Loans (no title)*
| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 2025 - 2017* | 6.50% | 48 mo | $23.71 |
| 2016 & Older* | 7.00% | 48 mo | $23.94 |
Effective 02/18/2025. Subject to change without notice
All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.
Loan terms and conditions are based on credit qualifications, relationship, and approval. Rates, terms, and conditions are subject to change.
*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer
***Monthly Payment based on payment per $1,000.00 for APR rate and term
Unsecured Loan Rates*
| APR as low as
| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| Maximum Loan Amount $5,000.00* | 9.50% | 36 mo | $32.05 | 10.00% | 60 mo | $21.25 |
| Kwik Cash Loan Rates |
APR |
|---|---|
| Minimum Loan Amount $500.00 | Maximum Loan Amount $5,000.00 | 12.00% |
Effective 02/18/2025. Subject to change without notice
All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.
Loan terms and conditions are based on credit qualifications, relationship, and approval. Rates, terms, and conditions are subject to change.
*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer
***Monthly Payment based on payment per $1,000.00 for APR rate and term