|
Current Rates
At HSFCU, we strive to provide you with the best rates on both Saving and Loan products.
Savings
Rates | Loan Rates
| SAVINGS
RATES |
| Description |
Min.
Deposit to Open |
Min.
Deposit to obtain APY* |
Dividend
Rates |
Annual
Percentage Yield* |
| Regular
Share Account |
$50 |
$50-$999 |
0.50% |
0.50% |
| $50 |
$1,000-$4,999 |
0.75% |
0.75% |
| $50 |
$5,000+ |
1.10% |
1.11% |
| Share
Draft Account |
None |
$0-$999 |
0.00% |
0.00% |
| None |
$1,000-$2,499 |
0.25% |
0.25% |
| None |
$2,500-$24,999 |
0.50% |
0.50% |
| None |
$25,000
- $49,999 |
1.00% |
1.00% |
| None |
$50,000
- $99,999 |
1.74% |
1.75% |
| None |
$100,000+ |
1.99% |
2.00% |
| Money
Market Account |
$1,500 |
$0-$1,499 |
0.00% |
0.00% |
| $1,500
- $9,999 |
1.44% |
1.45% |
| $10,000
- $49,999 |
1.98% |
2.00% |
| $50,000
- $99,999 |
2.13% |
2.15% |
|
$100,000 - $149,999 |
2.47% |
2.50% |
| $150,000
+ |
3.11% |
3.15% |
| Club
Account |
None |
$5.00 |
0.50% |
0.50% |
| Holiday
Club |
None |
$5.00 |
0.50% |
0.50% |
| IRA Account |
None |
$5.00 |
1.75% |
1.77% |
|
*Dividend Rate and
Annual Percentage Yield as of the last dividend
declaration date: 07/01/2008
*Fees may reduce earnings.
|
| 3
Month CD |
Under
$10,000 |
$1,000 |
1.99% |
2.00% |
| $10,000-$99,999 |
$10,000 |
2.23% |
2.25% |
| 6
Month CD |
Under
$10,000 |
$1,000 |
2.72% |
2.75% |
| $10,000-$24,999 |
$10,000 |
2.97% |
3.00% |
| $25,000
+ |
$25,000 |
2.97% |
3.25% |
| 9
Month |
Under $10,000 |
$1,000 |
2.97% |
3.00% |
| $10,000-$24,999 |
$10,000 |
2.97% |
3.00% |
| $25,000+ |
$25,000 |
3.21% |
3.25% |
| 12
Month CD |
Under
$10,000 |
$1,000 |
3.21% |
3.25% |
| $10,000-$99,999 |
$10,000 |
3.45% |
3.50% |
| 18
Month CD |
Under
$10,000 |
$1,000 |
3.21% |
3.25% |
| $10,000-$99,999 |
$10,000 |
3.45% |
3.50% |
| 24
Month CD |
Under
$10,000 |
$1,000 |
3.21% |
3.25% |
| $10,000-$99,999 |
$10,000 |
3.45% |
3.50% |
| 30
Month CD |
Under
$10,000 |
$1,000 |
3.21% |
3.25% |
| $10,000-$99,999 |
$10,000 |
3.45% |
3.50% |
| 36
Month CD |
Under
$10,000 |
$1,000 |
3.31% |
3.35% |
| $10,000-$99,999 |
$10,000 |
3.70% |
3.75% |
| 48
Month CD |
Under
$10,000 |
$1,000 |
3.45% |
3.50% |
| $10,000-$99,999 |
$10,000 |
3.94% |
4.00% |
| 60
Month CD |
Under
$10,000 |
$1,000 |
3.70% |
3.75% |
| $10,000-$99,999 |
$10,000 |
4.18% |
4.25% |
|
*Rates shown are effective
07/01/2008. Rates are subject to change at any
time.
Annual Percentage Yield assumes dividend remains
on deposit. Withdrawal of dividends will reduce
earnings.
*Fees may reduce earnings. Current dividend rates
will be quoted at the time of account opening
|
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From our rates page, you can first look up the rate of a loan,
calculate what your payments will be on that loan and then
apply for the
loan.
|
LOAN
RATES* |
| Description |
Terms* |
APR** |
Payment
Factor |
Maximum
Amount |
| NEW PASS. VEHICLE & MOTORCYCLE (as low as): |
| 100% |
36 MO. |
3.99% |
|
100% |
|
48 MO. |
4.99% |
|
100% |
|
60 MO. |
5.49% |
|
100% |
|
72 MO. |
6.99% |
|
MIN $20,000 |
| 90% |
84 MO. |
7.99% |
|
MIN $30,000 |
| USED VEHICLE & MOTORCYCLE, NADA Trade-In Value (as low as): |
| |
36 MO. |
3.99% |
|
NADA Value |
| |
48 MO. |
4.99% |
|
NADA Value |
| $7,500 MIN |
60 MO. |
5.99% |
|
NADA Value |
| $20,000+ |
72 MO. |
6.99% |
|
NADA Value |
| USED VEHICLE & MOTORCYCLE, NADA Retail Value (as low as): |
| |
36 MO. |
5.99% |
|
NADA Value |
| |
48 MO. |
6.49% |
|
NADA
Value |
| $7,5000
MIN |
60 MO. |
6.99% |
|
NADA Value |
| $20,000+ |
72 MO. |
8.25% |
|
NADA Value |
| NEW and USED BOAT, MOBILE HOME, RV (as low as): |
| |
Up to 84 Months |
New or Used
Car Rate
Plus 1% |
| CD SECURED: |
| |
Maturity |
2.00% Above CD |
100% |
| HOME EQUITY LINE OF CREDIT: |
80% or 90%
of LTV |
Open End |
as low as Prime,
minus 1/2% |
|
$10,000 MIN
$250,000 MAX |
| HOME EQUITY Fixed and Flexible LOAN / LINE COMBO (as low as): |
| 80% Equity |
60/360 Fixed Floating Line |
5.99%** |
|
$250,000 MAX |
| 90% Equity |
60/360 Fixed Floating Line |
7.25%** |
|
$250,000 MAX |
|
HOME EQUITY LOAN (as low as): |
| 80% Equity |
60 MO. |
4.99% |
|
$250,000 MAX |
| 90% Equity |
60 MO. |
7.25% |
|
$250,000 MAX |
| 80% Equity |
120 MO. |
6.99% |
|
$250,000 MAX |
| 90% Equity |
120 MO. |
7.99% |
|
$250,000 MAX |
| SECURED: |
| Share 1 Dbl |
36 MO. |
5.00%
above share rate |
$10,000
MAX |
| SHARE SECURED: |
| |
36 MO. |
2.00%
above share rate |
100%
Shares |
| |
37+ MO. |
3.00%
above share rate |
100%
Shares |
| SIGNATURE (as low as): |
| |
12 MO. |
8.99% |
|
$15,000
MAX |
| |
24 MO. |
9.99% |
|
$15,000
MAX |
| |
36 MO. |
11.24% |
|
$15,000
MAX |
| |
48 MO. |
12.99% |
|
$15,000
MAX |
| OVERDRAFT PROTECTION: |
| |
15.75% |
|
$2,500
MAX |
|
*All terms are approximate.
** 30 year amortization with a 5 year balloon.
** As Low Annual Percentage Rate (APR) is available to qualifying applicants only. Other rates and terms may apply.
Prime Rate as of 03/15/08 was 6.00%
Rates
shown are effective 01/01/08. Rates are
subject to change weekly. |
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|
Falls
Church, VA 22042
