Loans | Savings

NOTICE TO ALL LOAN APPLICANTS

Loan interest rates are offered on the basis of scoring information contained in an applicant's credit report. If an applicant's score falls in a lower and less favorable range, the interest rate offered for the loan will be materially greater than the rate offered to applicants with higher scores. Consult a Loan Officer for additional information.                       

Loan Rates	Interest Rate Shown as (APR) Annual Percentage Rate
Type	Interest Rate As Low As	Term
New Vehicle (Include Program Cars)	3.90%	36 Months
	3.90%	48 Months
	3.90%	60 Months
	4.90%	72 Months
Used Vehicle 2008 & Newer	3.90%	36 Months
	3.90%	48 Months
	3.90%	60 Months
	4.90%	72 Months
Vehicles 2007 & Older	4.90%	36 Months
	4.90%	48 Months
Boats, Travel Trailer Motor Homes (New & Used)	6.50%	36 Months
	6.50%	48 Months
	6.50%	60 Months
	7.50%	72 Months
	7.50%	84 Months
Motorcycles, ATVs, Personal Watercraft (New & Used)	7.00%	36 Months
	7.25%	48 Months
	7.50%	60 Months
Mobile Homes - New	7.95%	36 Months
	7.95%	48 Months
	8.95%	60 Months
	8.95%	72 Months
	8.95%	84 Months
	9.95%	120 Months
Mobile Homes - Used	8.95%	36 Months
	8.95%	48 Months
	9.95%	60 Months
	9.95%	72 Months
	9.95%	84 Months
	10.95%	120 Months
Personal Signature	10.00%	36 Months
	10.50%	48 Months
Line of Credit	5.25% to 18.00%

Savings Account Rates	Dividend Rate	Annual Percentage Yield	Term
Share (Savings) Account	.25%	.25%	n/a
Christmas & Vacation Club	.25%	.25%	n/a
Prestige Checking	.10%	.10%	n/a
Share Certificates Rates
Balance Less than $25,000.00	0.50%	0.50%	12 Months
Balance $25,000 to $79,999.99	0.50%	0.50%	12 Months
Balance $80,000 and over	0.50%	0.50%	12 Months
Balance Less than $25,000.00	0.90%	0.90%	24 Months
Balance $25,000 to $79,999.99	0.90%	0.90%	24 Months
Balance $80,000 & over	0.90%	0.90%	24 Months
Balance Less than $25,000	1.25%	1.26%	36 Months
Balance $25,000 to $79,999.99	1.25%	1.26%	36 Months
Balance $80,000 & over	1.25%	1.26%	36 Months
Balance Less than $25,000	2.00%	2.02%	60 Months
Balance $25,000 to $79,999.99	2.00%	2.02%	60 Months
Balance $80,000 & over	2.00%	2.02%	60 Months
Money Market Account
Balance $2,500 to $24,999.99	0.25%	0.25%	n/a
Balance $25,000 to $100,000.00	0.50%	0.50%	n/a

Visa Credit Card Rates	APR* On Purchases	APR* Cash Advance	APR* Balance Transfer	Grace Period	Annual Fee
Classic Visa	11.90%	11.90%	11.90%	25 DAYS	NONE
Platinum Visa	8.90%	8.90%	8.90%	25 DAYS	NONE

Visa Credit Card Fees
Minimum finance charge	None	None
Transaction fee for purchases	None	None
Transaction fee for cash advances:	$2.00	$2.00
Balance Transfer fee	$2.00	$2.00
Late payment fee	$19.00	$19.00
Over the credit limit fee	$19.00	$19.00
Other fees and charges for both cards:	New/replacement card fee	$12.00
	Documentation fee	$12.00
	Card recovery fee	$65.00
	Returned check fee	$25.00

Click here for Real Estate Loan information. Please note that rates are subject to change without notice. Each application is evaluated on an individual basis and loan advances are granted based upon the member's credit history, ability to repay and collateral. The method of repayment is not a consideration. Loan rates may be adjusted up or down based on the applicant's credit history. Share secured loan rates are indexed to the average dividend rate paid over the last four dividend periods. Go To Loan Application| Go To Calculators| Back to Top

 

Rates are effective December 31, 2011 Share Savings Account Disclosure:  *Annual Percentage Yield on regular share accounts. This published dividend rate is for the prior quarter. Dividends for the upcoming period have not been established. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. MINIMUM BALANCE REQUIREMENTS: A member must maintain a minimum balance of on share ($5.00) at all times or his membership/account will be closed. Members must maintain a minimum "Average Daily Balance" of $100.00 in order to earn a dividend. BALANCE COMPUTATION METHOD: Dividends are calculated and paid based on the "Average Daily Balance" method. Under the "Average Daily Balance", a periodic rate is applied to the average daily balance in the account for the period. The average daily balance is determined by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. COMPOUNDING, CREDITING, AND DIVIDEND PERIOD: Dividends are paid quarterly and credited at the end of business on the last day of the quarter (March 31, June 30, September 30 & December 31). Dividends will be available for withdrawal on the first business day after the end of a quarter. The dividend period is quarterly (dividend period=3 calendar months). Share Certificates: Heritage Credit Union Share Certificate accounts are term Share Accounts. Minimum amount to purchase a Share Certificate is $1,000.00. Dividends earned are credited monthly, payable to depositor by check or transfer to another HCU deposit account, savings or checking. The APR/APY is fixed at time of initial deposit and will not change during the term of the certificate. There is a substantial penalty for early withdrawal. Rates offered may change at any time as determined by the credit union Board of Directors. Christmas and Vacation Clubs accounts earn interest on a balance of $25.00 or more.  $35.00 early withdraw penalty. Checking (Share Draft) Account Disclosure:  Prestige Checking earns interest on average daily balances maintained at $300.00 or above for the entire cycle period (1 month). A monthly service fee of $8.00 is applied if the average daily balance drops below $300 during the cycle.  Maintenance fee such as this or activity fees such as ATM transaction fee or NSF fee could reduce the earnings on account.  Minimum to open $100.   Money Market Account Disclosure: Minimum balance to open a money market account is $2,500.00.  If the Average Daily Balance falls below $2,500.00, no interest is paid and a $6 montly service charge will be assessed.  No minimum withdrawal amount.  Limited to 6 withdrawals per month, 3 of which may be by cash, check, or ATM card.  Easily accessible by cash, checks, ATM/ Debit Card, or ACH transactions.  Fees could reduce earnings on account. Rates in effect when account is opened are subject to change without notice at any time.  Back to Top