Loans
One of the great benefits to Credit Union membership is access to some
of the lowest loan rates available. At HSFCU, we offer a wide variety
of low-cost loan products to help meet any financial need you have:
auto loans, signature loans, education loans, home mortgage/equity
loans, Visa® cards and more.
An HSFCU Loan Is Easy, Convenient & Affordable!
Applying for a loan or making loan payments has never been easier. HSFCU offers a number of
ways to help make managing your finances all the more convenient. You
can apply for a loan and make loan payments online, in person or by phone.
New & Used Vehicle Loans
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Now
We provide competitive rates and flexible loan terms on both new and
used vehicles of all types: cars, trucks, SUVs, hybrids and motorcycles. You’ll love our fast, no-hassle application process, and
you can get a fast decision, too — usually the same day. For your
convenience, your payments can be made automatically through payroll
deduction.
Recreation Vehicle Loans
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With affordable payments and competitive rates, these loans are ideal
for buying a new or used boat, mobile home or recreational vehicle.
Plus, the simple application process and fast response can get you on
the road or on the water quickly and easily.
Signature Loans
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Signature loans can make vacations or other expenses such as home
repairs or sudden emergencies more affordable — particularly when
compared to using high-rate credit cards. Borrow up to $15,000 with
flexible loan terms and enjoy our low monthly payments.
Share Secured Loans
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Using the funds in your HSFCU accounts is a great way to build or
rebuild your credit rating, or to access funds without cashing out your
savings.
Adjustable-Rate Mortgages
Adjustable-rate mortgages are ideal if you only plan on being in your home for a few years. We offer several mortgage options, allowing you to choose the mortgage best suited to your needs.
Fixed-Rate Mortgages
Fixed-rate mortgages are perfect for homebuyers who plan to stay in their homes for some time. These mortgages provide the ideal combination of low, fixed rates and a choice of loan terms. |
Refinancing
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Some members refinance to lock in a lower interest rate and reduce
their mortgage payments. Others refinance to tap some of the equity
they’ve accumulated for home improvements or other expenses. Whatever
your reason, you’ll find fast, responsive service at HSFCU.
For current rates on any of our mortgage options click on the Member Options link:

Home Equity Loans
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Use your home’s equity to fund large expenses or purchases. We offer
loans with fixed rates and terms if you’re planning to use all the
funds at once, or a variable-rate home equity line of credit that lets
you access funds whenever you have the need.
New! HSFCU's Fixed & Flexible Home Equity Loan | Check It Out
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Home Equity Lines
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| Apply Now
- Borrow up to 90% of your home’s equity
- Ready whenever you need it
- Low variable rate based on the Prime Rate
Fixed-Rate
Home Equity Loans
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| Apply Now
- Borrow up to 90% of your home’s equity
- Loan terms of 60 to 120 months
- Fixed rate, term and payments to fit your budget
Ask about our Express Trust option for extra-fast, low-documentation loans up to
$75,000.
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