These rates are posted for your convenience, please realize they are subject to change without notice.
Rates were last changed on May 11, 2010
|
Rate |
APY* |
Minimum Balance | |
| Savings Accounts |
0.499% |
0.50% |
$25.00 |
| Club Accounts |
.996% |
1.00% | $0 |
| Money Market | 0.736% | 0.75% | $10000.00 |
| Classic Share Draft | 0.40% |
0.40% |
$0 |
|
Rate
|
APY*
|
Minimum Balance | |
| 90 Day CD |
0..499%
|
0.50% | $1000.00 |
| 6 Months CD | 0.598% | 0.60% | $1000.00 |
| 12 Month CD | 1.045% | 1.05% | $1000.00 |
| 18 Month CD | $1000.00 | ||
| 24 Month CD | 1.342% | 1.35% | $1000.00 |
| 30 Month CD | 1.539% | 1.55% | $1000.00 |
For Specials Please Contact a Member Service Rep.
*APY=Annual Percentage Yield
Bonus available for CDs over 25k/50k/100k at 0.10% per increment.
|
Rate
|
APY*
|
|
| Traditional & Roth IRAs |
1.982%
|
2.00%
|
1st and 2nd Mortgages
|
Term
|
Stated APR*
|
|
15yr. amortization
3 yr. demand |
4.79%
|
|
30 yr. amortization
3 yr. demand |
5.29%
|
Mortgage loans are risk based priced, based on credit score.
Please contact a loan officer at HCCU for risk based rates.
Mobile Homes
|
Location
|
APR*
|
|
In Park
|
8.0%
|
|
Own Land
|
Same as real estate
|
|
Credit Score
|
Stated APR*
|
|
680+
|
Stated APR*
|
|
640-679
|
+2%
|
|
639-600
|
+4%
|
|
Less than 599
|
+6%
|
Consumer Stated APR* = 5.75%.
Consumer loans are risk based
priced, based on credit score.
Please contact a loan officer at HCCU for risk based rates.
Loans For:
|
Maximum Term
|
||
| New Vehicles |
|
72 Months
|
| Used Vehicles |
60 Months
|
|
| Motorcycles |
|
60 Months
|
| ATV’s |
48 Months
|
|
| Travel Trailers |
10 Years
|
|
| Heavy Equipment & Heavy Trucks |
72 Months
|
|
| New Boats & Motors |
72 Months
|
|
| Used Boats & Motors |
|
60 Months
|
| Snowmobiles |
|
48 Months
|
| Miscellaneous Personal Property |
|
48 Months
|
| Unsecured Closed End |
|
36 Months
|
|
APR*
|
Annual Fee
|
|
| MasterCard |
16.9%
|
$0
|
| MasterCard |
12.9%
|
$15.00
|
| Savings Secured MasterCard |
10.9%
|
$20.00
|
*APR=Annual Percentage Rate
***Annual Percentage Rate may vary, and the maximum interest rate of 18%
may be imposed in a variable-rate plan. The credit union may also include a range
of charges between $0 to $500 that may apply.
Checking Accounts
| Account balancing & research time | $15.00/Hour | |
| Check Copy: | $2.00 Each | |
| Copy of Statement | $5.00 per month requested | |
| Last 30 Day History Printout | $1.00 Per Request | |
| Overdraft NSF Charge | ||
| Classic Draft: | $20.00 Each | |
| Free Draft: | $20.00 Each | |
| Return of Deposited Check | ||
| Applies to any Savings and/or Draft Accounts | $10.00 Each Item | |
| Stop Payments | ||
| 6 month period: | $10.00 Each | |
| Telephone transfers & Balance Inquiries: | No Charge | |
| Transactions |
|
|
| Withdrawals at an ATM or POS terminals (whenever a PIN is entered).
*Some terminal owners may impose additional transaction fees, which will be indicated at that terminal. |
$0.70
|
|
|
|
||
| Lost Cards |
|
|
| Replacement card or PIN (waived if a copy of filed police report is provided to credit union) |
$5.00
|
|
| Cards lost overseas |
$300/month for two months
|
|
| Overdrafts | ||
| Overdraft fee assessed each time you overdraw your account through use of your Debit Card. |
$20.00
|
|
|
Each account accessible with a Debit Card will remain subject to the fees and charges provided for in the separate agreement or regulations covering that account. For further information about our Debit Cards please see |
||
Other Charges
| Dormant Account After 12 Months Dormancy and Balance Under $50.00 | $1.00 Per Month | |
| Coin Counting | No Charge | |
| Fax Machine | ||
| Send | $1.00 Per Page | |
| Receive | $1.00 Per Page | |
| Money Orders | ||
| Maximum Amount $1,000 | $1.00 Each | |
| Notary Public | No Charge | |
| Photocopies | ||
| No Charge for 1st 5 pages | $0.10 Each | |
| Safe Deposit Box Annual Rental | ||
| 3x10 | $24 Each | |
| 5x10 | $36 Each | |
| 10x10 | $54 Each | |
| 3rd Party Teller Checks | $2.00 Per Check | |
| Visa Gift Cards- Minimum $25.00 | $2.95 Per Card | |
| Wire Transfers | ||
| Outgoing | $15.00 Each | |
| Incoming | $5.00 Each | |
| International Wire | $25.00 Plus Any 3rd Party Fees | |