Rates
All Rates and Terms Based on Credit
Evaluation
Rates Effective
04-01-2013
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***
Checking
Account Rates
| Type of Account |
Rate |
Annual Percentage Yield |
| Bronze Account |
Non interest bearing |
| Silver Account |
0.10% |
0.10 |
| Gold Account |
0.20% |
0.20 |
Share Rates
| Type of Account |
Rate |
Annual Percentage Yield |
| Regular Shares |
0.20% |
0.20 |
| Super Shares |
0.25% |
0.25 |
| IRA Shares |
0.55% |
0.55 |
| Christmas Club |
0.20% |
0.20 |
| Term Share Certificate- 6 months |
.30% |
Not Compounded |
| Term Share Certificate- 12 months |
.35% |
Not Compounded |
| Term Share Certificate- 18 months |
.45% |
Not Compounded |
| Term Share Certificate- 24 months |
.50% |
Not Compounded |
New Autos—Finance
up to 100% of Sticker, less then 7,500 miles.
| Term |
Rate as Low
as: (APR¹
) |
| 36 months |
2.65% |
| 48 months |
2.85% |
|
60 months |
3.05% |
| 72 months* |
3.65% |
| 84 months** |
4.65% |
**Must be over
$20,000.00 to qualify for 61-72 months
¹Annual Percentage Rate
All Rates
and Terms based on approved credit.
*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 or 77% of original sticker if not listed in NADA. Over 7,500 miles
considered a Used Auto
| Term |
Rate as Low
as: (APR¹
) |
| 36 months |
2.65% |
| 48 months |
2.85% |
| 60 months |
3.05% |
| 72
months** |
3.65% |
11-15 year old Models
- Finance up to NADA Loan Value
Rate
as low as 9.00% Annual Percentage Rate
for up to 24 months
New Boat
& RV's—Finance up to 100% of Sticker
| Term |
Rate as Low
as: (APR¹
) |
|
36 months |
2.65% |
|
48 months |
2.85% |
|
60
months |
3.05% |
|
72 months |
3.65% |
|
84 months |
4.65% |
|
120 months* |
5.50% |
*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
| Term |
Rate as Low
as: (APR¹
) |
|
36 months |
2.65% |
|
48 months |
2.85% |
|
60 months |
3.05% |
|
72 months* |
3.65% |
|
84 months* |
4.65% |
*Must
be over $35,000.00 to qualify for 61 to 84 months
¹Annual Percentage Rate
All Rates and Terms based on
approved credit.
New Motorcycles—Finance up to
100% List
| Term |
Rate as Low
as: (APR¹
) |
| 36 months |
2.65% |
|
48 months |
2.85%
|
|
60 months |
3.05% |
|
72 months* |
3.65% |
|
84 months** |
4.65% |
¹Annual Percentage Rate
*must be over $20,000 to qualify
** must be over $30,000 to qualify
All Rates and Terms based on
approved credit.
Used Motorcycles—Finance up to
NADA retail value
| Term |
Rate as Low
as: (APR¹
) |
| 36 months |
2.65% |
| 48 months |
2.85% |
| 60 months |
3.05% |
| 72 months* |
3.65% |
¹Annual Percentage Rate
*must be over $20,000 to qualify
All Rates and Terms based on
approved credit.
Jet Ski Loans
| New: 75% of
list |
| Term |
Rate as Low
as: (APR¹
) |
|
36 months |
11.25% |
Furniture Loans
|
Loan on purchase price only:
no
tax.
Household goods insurance required. Requires
UCC-1 form. |
| Term |
Rate as Low
as: (APR¹
) |
| 36 months |
11.25% |
Computer Loans
| Term |
Rate as Low
as: (APR¹
) |
|
36 months |
11.25% |
| Loan on purchase price only:
no
tax. Household goods insurance required. Requires
UCC-1 form. |
Signature Loans-
Up to $5,000.00
| Term |
Rate as Low
as: (APR¹
) |
|
42 months |
9.00%
|
| One Time Pay- 90 day maximum term |
| Excluding MasterCard, the aggregate maximum unsecured
amount per member is $7,000.00 |
Share Secured & Term
Share Certificate Secured Loans
| Term |
Rate as Low
as: (APR¹
) |
| 24 months |
2.65% |
| 36 months |
2.65% |
| 48 months |
2.85% |
| 60 months |
3.05% |
| 72 months |
3.65% |
|
84 months |
4.65% |
|
120 months |
5.50% |
|
¹Annual Percentage Rate |
Real
Estate Loans
80% of appraised value or 90% of purchase price, which ever is
lower
| Term |
Rate as Low
as: (APR¹
) |
| Less than $30K -10 years/120 months |
5.90% |
| Over $30K -15 years/180 months |
4.79% |
| 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
| Term |
Rate as Low
as: (APR¹
) |
|
Up to 60 months |
4.90% |
|
61 to 84 months |
5.25% |
|
85 to 120 months
|
5.90% |
¹Annual Percentage Rate
All Rates and Terms based
on approved credit.
Some restrictions may apply
Not eligible for checking
account discount
Home Improvement Loans
| Term |
Rate as Low
as: (APR¹
) |
| 10 years/120
months |
5.90% |
Not eligible for checking account discount
All Other Loans
Up to 36-month term as low as 9.00% 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
April 25, 2013 |
|
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 |
$22.00/Item |
| Stop Payment Fee |
$12.00/Request |
|
Other Service Fees |
| Closed Account Fee |
$25.00 This fee applies to accounts closed within 90 days of opening |
| Teller Check Fee |
$2.00 per check |
| Wire Transfer Fee (Outgoing) |
$12.00/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 |
$25.00/Hour (1 hour 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 |
$1.00/Copy |
| Fax (outgoing) |
$1.00/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. |
Example of Repayment
Terms
New Car Repayment Terms:
| Number of Periods: 48 Months |
| Number of Payments: 48 Monthly |
| Effective annual percentage rate: 2.85% |
| Amount Financed: $1,000.00 |
| Payment Amount: $22.07 |
| With a Final Payment of : $21.93 |
Approximate:
| Total Finance Charges: $59.22 |
| Total of Payments: $1,059.22 |
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