Loan Products

Welcome to H&H Federal Credit Union

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Last modified: 01/30/12

Loan Products

Effective

01-30-2012

Auto Loans	Boat & RV Loans	Motorcycle Loans
Signature Loans	Computer Loans	Jet Ski Loans
Real Estate Loans	Home Equity Loans	Home Improvement Loans
Furniture Loans	Share Secured & Term Share Certificate Secured Loans	MasterCard
All Other Loans	Example of Repayment Terms	Fee Schedule
**All rates are subject to change without notice

Get an additional 1/4% off of your loan rate by having an active checking account or opening one with H&H FCU.

Continue here for more information

***Some restrictions may apply***

Auto Loans

New Autos—Finance up to 100% of Sticker

Unit over 7500 miles-considered used and loan amount is a judgment call of officers if not yet in the NADA guide

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
For up to 60 months	3.30% APR
For up to 72 months*	3.90% APR
For up to 84 months**	4.90% APR
*Must be over $20,000.00 to qualify for 61 to 72 months
**Must be over $30,000.00 to qualify for 73 to 84 months
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Used Autos (2001-2011)—Finance up to 100% NADA Retail

Unit over 90,000 miles or 5 years or older (2006-2001) maximum term is 36 months

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
For up to 60 months*	3.30% APR
*Must be over $15,000.00 to qualify for 49-60 months
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Older Model (1996-2000) - Finance up to NADA Loan Value

9.00% Annual Percentage Rate for up to 24 months

Boat & RV Loans

New Boats & RV's—Finance up to 100% of Sticker

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
For up to 60 months	3.30% APR
For up to 72 months	3.90% APR
For up to 84 months	4.90% APR
For up to 120 months*	5.75% APR
*Must be over $35,000.00 to qualify for 85 to 120 months
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Used Boats & RV's—Finance up to NADA Loan Value

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
For up to 60 months	3.30% APR
For up to 72 months*	3.90% APR
For up to 84 months*	4.90% APR
*Must be over $35,000.00 to qualify for 61-84 months
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Motorcycle Loans

New Motorcycles—Finance up to 100% of list

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
For up to 60 months	3.30% APR
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Used Motorcycles—Finance up to NADA Retail Value

For up to 36 months	2.90% APR¹
For up to 48 months	3.10% APR
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Jet Ski Loans

New: 75% of List

Up to 36-months

11.25% annual percentage rate

Furniture Loans

Purchase price only (no tax)

HHG insurance required

Up to 36-months

11.25% annual percentage rate

Computer Loans

Purchase price only (no tax)

HHG insurance required

Up to 36-months

11.25% annual percentage rate

Signature Loans

One time pay - 90 day maximum term

Up to $5000.00 for out to 42 months

8.99% annual percentage rate

Excluding MasterCard, maximum aggregate unsecured amount per member is $7,000.00

Share Secured & Term Share Certificate Secured Loans

Term share secured loans will be refinanced at current rate on date of maturity of term share certificate.

For up to 24 months	2.90% APR¹
For up to 36 months	2.90% APR
For up to 48 months	3.10% APR
For up to 60 months	3.30% APR
For up to 72 months	3.90% APR
For up to 84 months	4.90% APR
For up to 120 months	5.75% APR
¹Annual Percentage Rate
All Rates and Terms based on approved credit.

Real Estate Loans

80% of appraised value or 90% of purchase price, which ever is lower

Less then $30k out to 10 years/120 months	5.50% annual percentage rate
Over $30K out to 15 years/180 months	4.85% annual percentage rate

**Not eligible for checking account discount

Home Equity Loans

Maximum amount 80% of appraised value less balance of all other liens on property

Minimum loan amount $10,000.00

Limited to once every twelve months and one per household

Up to 60 months	4.62% APR¹
61 to 84 months	5.13% APR
85 to 120 months	5.65% APR
¹Annual Percentage Rate
All Rates and Terms based on approved credit.
Some restrictions may apply.
**Not eligible for checking account discount

Home Improvement Loans

Must have 1st mortgage financed with H&H
80% of appraised value minus the balance of 1st mortgage

For out to 10 years/120 months

5.65% annual percentage rate

**Not eligible for checking account discount

All Other Loans

Up to 36-months

14.40% annual percentage rate

MasterCard

No annual fee. 9.9 annual percentage rate. No interest charged if paid in full within the 25 - day grace period. Six month employment required. Application

**Not eligible for checking account discount

Fee Schedule

Effective January 1, 2003

Silver Checking Account Fees
Service Charge	$5.00/Month if minimum Average Daily Balance is not met
Gold Checking Account Fees
Service Charge	$5.00/Month if minimum Average Daily Balance is not met
All Checking Account Fees
Overdraft Fee	$1.00/Item Applicable only after three (3) transfers per month
NSF Fee	$15.00/Item
Stop Payment Fee	$10.00/Request
Other Service Fees
Wire Transfer Fee (Outgoing)	$8.00/Transfer
International Wire Fee (Outgoing)	$30.00/Transfer
Account Research	$15.00/Hour ($15.00 minimum charge)
Photocopy Fee	$0.10/Copy
Fax (outgoing)	$0.25/Faxed Page

Example of Repayment Terms

New Car Repayment Terms:

Number of Periods: 48 Months

Number of Payments: 48 Monthly

Effective annual percentage rate: 4.45%

Amount Financed: $1,000.00

Payment Amount: $22.79

With a Final Payment of : $22.48

Approximate:

Total Finance Charges: $93.61

Total of Payments: $1,093.61

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