 We
Do Business in Accordance With the Federal Fair Housing Law and the
Equal Credit Opportunity Act.
Last modified:
09/02/10
|
Rates
Rates Effective
9-1-10
Get
an additional 1/4% off of your loan rate by having an active checking account
opening one with H&H
FCU.
Continue here for more information
***Some restrictions
may apply***
Share Rates
| Type of Account |
Rate |
Annual Percentage Yield |
| Regular Shares |
0.75% |
0.75 |
| Christmas Club |
0.75% |
0.75 |
| Super Shares |
1.15% |
1.16 |
| IRA Shares |
1.50% |
1.51 |
| Term Share Certificate - 6 months |
1.10% |
Not Compounded |
| Term Share Certificate - 12 months |
1.20% |
Not Compounded |
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Checking
Account Rates
| Type of Account |
Rate |
Annual Percentage Yield |
| Bronze Account |
Non interest bearing
|
| Silver Account |
0.50% |
0.50 |
| Gold Account |
0.75% |
0.75 |
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Special Rates!
New Autos—Finance
up to 100% of Sticker
| 4.40% APR¹ for up to 36 mo |
4.50% APR for up to 60 mo |
| 4.45% APR for up to 48 mo |
4.75% APR for up to 72 mo* |
|
5.25% APR for up to 84 mo** |
| *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—Finance up to 100% NADA
Retail
| 4.40% APR¹ for up to 36 mo |
| 4.45% APR for up to 48 mo |
| 4.50%
APR for up to 60 mo* |
| *Must
be over $15,000.00 to qualify for 49-60 months |
| **Autos 5 years old or older or over
90,000 miles - maximum term is 36 months |
| ¹Annual Percentage Rate |
| All Rates and Terms based on
approved credit. |
Older Model (1995-1999)
- Finance up to NADA Loan Value
9.00% Annual Percentage Rate
for up to 24 months
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Special Rates!
New Boat
& RV's—Finance up to 100% of Sticker
| 4.40% APR¹ for up to 36 mo |
4.75% APR for up to 72 mo |
| 4.45% APR for up to 48 mo |
5.25% APR for up to 84 mo |
| 4.50% APR for up to 60
mo |
5.75% APR for up to 120 mo* |
| *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
| 4.40% APR¹ for up to 36 mo |
4.50% APR for up to 60 mo |
| 4.45% APR for up to 48 mo |
4.75% APR for up to 72 mo* |
| 5.25%
APR for up to 84 mo* |
| *Must be over $35,000.00 to qualify for
61-84 months |
| ¹Annual Percentage Rate |
| All Rates and Terms based on approved
credit. |
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Special Rates!
New Motorcycles—Finance up to
100% List
| 4.40% APR¹ for up to 36 mo |
|
4.45%
APR for up to 48 mo |
|
4.50% APR for up to 60 mo |
| ¹Annual Percentage Rate |
| All Rates and Terms based on
approved credit. |
Used Motorcycles—Finance up to
NADA retail value
| 4.40% APR¹ for up to
36 mo |
|
| 4.45% APR for up to 48 mo |
|
| ¹Annual Percentage Rate |
| All Rates and Terms based on
approved credit. |
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Jet Ski Loans
|
New: |
|
Up to 36-month term at 11.25% annual percentage rate |
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Furniture Loans
|
Up to 36-month term at 11.25% annual percentage rate |
|
Loan on purchase price only: no
tax. Household goods insurance required. Requires
UCC-1 form. |
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Computer Loans
|
Up to 36-month term at 11.25% annual percentage rate |
|
Loan on purchase price only: no
tax. Household goods insurance required. Requires
UCC-1 form. |
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Signature Loans
|
Up to $5,000.00 for out to 42 months at
8.99%
annual percentage rate* |
|
*Excluding MasterCard, the aggregate maximum unsecured
amount per member is $7,000.00 |
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Share Secured & Term
Share Certificate Secured Loans
|
Up to 24 months - 3.50% APR¹ |
Up to 60 months - 3.90% APR
|
|
Up to 36 months - 3.60% APR |
Up to 72 months - 4.75% APR
|
|
Up to 48 months - 3.75% APR |
Up to 84 months - 5.25% APR
|
|
Up to 120 months - 5.75% APR |
|
¹Annual Percentage Rate |
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Real
Estate Loans
|
Less than $30K (out to 10 years) at 5.25% annual
percentage rate |
|
Over $30K (out to 15 years) at 5.75% annual percentage
rate |
|
**Not eligible for checking account discount |
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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 |
5.50% APR¹ |
|
61 to 84 months |
6.00% APR |
|
85 to 120 months
|
6.50% APR |
| ¹Annual Percentage Rate |
| All Rates and Terms based
on approved credit. |
| Some restrictions may apply |
| **Not eligible for checking
account discount |
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Home Improvement Loans
|
6.75% annual percentage rate |
|
**Not eligible for checking account discount |
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All Other Loans
|
Up to 36-month term at 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
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Fee Schedule
|
Effective August, 23 2010 |
|
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 |
$20.00/Item |
|
Stop Payment Fee |
$10.00/Request |
|
Other Service Fees |
|
Closed Account Fee |
$25.00 This fee applies to accounts closed within 90 days of opening |
|
Wire Transfer Fee (Outgoing) |
$8.00/Transfer |
|
International Wire Fee (Outgoing) |
$30.00/Transfer |
|
MasterCard Pay by Phone |
$5.00 (This is if you call MasterCard directly
to pay. If you call the credit union or pay at GoToMyCard.com, there
is no fee) |
|
Account Research |
$15.00/Hour ($15.00 minimum charge) |
|
MasterCard Check Card Replacement Fee |
$5.00 (We reserve the right to charge this fee at any time for
replacement of lost or damaged cards) |
|
MasterCard PIN Replacement Fee |
$5.00 (We reserve the right to charge this fee at any time for
replacement PINs) |
|
Photocopy Fee |
$0.10/Copy |
|
Fax (outgoing) |
$0.25/Faxed Page |
|
MasterCard Gift Cards |
Purchase fee of up to $6.95 for any
denomination, a monthly inactivity fee of $2.95 after 12 months of
inactivity, and a $5.00 for lost/stolen cards. |
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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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