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Loan Disclosures

Auto Loans Secured
Personal Loan Prime Rate
Home Equity Personal Loans

New / Used Auto Loans

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a .25% discount for having an automatic and continuous payment method and all existing loans in good standing. The rates shown are the lowest available and your rate may be higher.

New Auto Loan Rate applies to current model year plus the two (2) previous model years, up to 110% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.09% and a term of 60 months would have a monthly payment of $450.27.


Refinancing Your Car

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a .25% discount for having an automatic and continuous payment method and all existing loans in good standing. The rates shown are the lowest available and your rate may be higher. Current Healthcare Systems FCU Auto Loans are not eligible for refinance.


Personal Loans

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a .25% discount for having an automatic and continuous payment method and all existing loans in good standing. The rates shown are the lowest available and your rate may be higher.

Home Equity
Home Equity Line of Credit

The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on Healthcare Systems FCU equity line products vary between 4.00% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Any rates shown assume an automated payment method.

A minimum loan amount of $30,000 is required to receive $250 towards closing costs on a new or refinanced loan. Closing costs vary by state and range from $700 - $1800. Closing costs paid by Healthcare Systems FCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

Consult your tax advisor regarding the deductibility of interest.

Fixed-Rate Home Equity Loans

Our Fixed-Rate Home Equity Loans have a loan term up to 15 years. Funds will be disbursed after the federally mandated cancellation period. Offer applies to residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Property insurance is required; flood insurance may be required. Any rates shown assume an automated payment method. Rates are dependent on your loan amount, product and credit qualifications. All loans subject to credit approval, which includes verification of application information and receipt of collateral documents.

A minimum loan amount of $30,000 is required to receive $250 towards closing costs on a new or refinanced loan. Closing costs vary by state and range from $700 - $1800. Closing costs paid by Healthcare Systems FCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.

Consult your tax advisor regarding the deductibility of interest.

Shared Secured Loans

APR for loans secured by certificates will be 2% more than the annual percentage yield (APY) on the certificate.

Prime Rate

Prime Rate published in the "Money Rates" section of The Wall Street Journal on the first business day of the calendar month.