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Interest rates are on the rise – and that’s cause for concern for homeowners with home equity line balances. As rates rise, payments continue going up. Let us help!

A Fixed Rate Home Equity Loan, can help relieve those rate hike worries

  • Fixed rate that won’t keep going up.
  • We pay the closing costs
  • Limited-time great rate as low as 6.25% APR* for a 15-year term

“Fix” My Home Equity Rate

A fixed rate means you can plan for your family’s future without the uncertainty of rising payments.

*APR = Annual Percentage Rate. Special rate is good for home equity fixed-rate loans of $50,000 or more with a 15-year term. Loan approval is based on an evaluation of creditworthiness. Offer not available on existing Healthcare Systems FCU Home Equity Loans of Lines of Credit. Closing costs vary by state and range from $1200 - $2100. 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.



Furlough Assistance

If you have been impacted* by the recent government shutdown, then let us help relieve some of your financial stress. Please take advantage of our Furlough Skip-a-Payment or Furlough Relief Loan. You all provide such an excellent care to those in need, please allow us to return the favor (in your time of need).

Furlough Skip-a-Payment Program

Our Impacted* members can skip up to two monthly loan payments per loan, and we will waive the skip-a-payment fee.

How does it work? A HSFCU member with a personal loan and auto loan can skip the payments on both loans for two consecutive months.

  • Skip up to the next 2 months (60 days) of loan payments*
  • Skip your Auto, Personal or Credit Card Payment
  • HSFCU will waive the Skip-a-Payment Fee

Furlough Relief Loan

Let us help make hard times easier, with our Furlough Relief Loan.

  • Borrow up to 100% of December’s net pay**
  • No payment for 45 days
  • Low, fixed rate of 6.49% APR**
  • 15-month repayment term

*If you or your spouse are a Federal Civilian Employee (active or retired) or a Federal Contactor who will not be receiving a paycheck or retirement check as a result of the recent Federal Government Shutdown, then you may request a 2-month (60-day) Skip-a-Payment on your HSFCU Credit Card, Auto or Personal Loan. If your loan qualifies and you provide a copy of the furlough notice, Healthcare Systems FCU will waive the Skip-a-Payment Fee.”

** HSFCU Members with an established direct deposit relationship may apply for a loan equal to 100% of their previous month's (December 2018) pay, up to $5,000. All others may apply for a loan equal to 100% of their previous month's pay, up to $2,500. APR=Annual Percentage Rate.


Credit Card Debt

Here’s a smart way to avoid ever-increasing credit card rates and lower your debt: Move high-rate credit card balances to our low rate Personal Loan.

  • As low as 6.99% APR* – much less than most credit cards
  • Rate & payment will never go up
  • Pay off your rising-rate credit cards today & save

Enjoy the satisfaction of watching your credit card balance go down! Start erasing your debt today!

*APR = Annual Percentage Rate. The rate listed assumes a .25% discount for having an automatic and continuous payment method and a 12-month term with all existing loans in good standing. Not all applicants will qualify for the lowest rate. Offer not available for existing HSFCU loans. Rates are subject to change without notice. Certain restrictions may apply.