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Today's Loan Rates

 

New Auto / Motorcycle Loans

   
Approximate Term APR as low as* Conditions
up to 36 months As low as 2.89% ± Up to 110% of Purchase Price
 
up to 48 months As low as 3.09% ± Up to 110% of Purchase Price
 
up to 60 months As low as 3.39% ± Up to 110% of Purchase Price
 
up to 72 months As low as 3.69% ± Up to 110% of Purchase Price
 
up to 84 months As low as 4.19% ± Up to 100% of Purchase Price ±±
 

Used Auto / Motorcycle Loans

   
Approximate Term APR as low as* Conditions
up to 36 months As low as 2.89% ± Up to 100% of NADA retail value
 
up to 48 months As low as 3.29% ± Up to 100% of NADA retail value
 
up to 60 months As low as 3.74% ± Up to 100% of NADA retail value
 
up to 72 months As low as 4.24% ± Up to 100% of NADA retail value ±±
 
APR = Annual Percentage Rate
±± Requires a minimum loan of $30,000.
Disclosure
± Up to 115% financing is available for new autos/motorcycles and NADA retail value for used autos / motorcycles. The rate listed assumes a .25% discount for having an automatic and continuous payment method and all existing loans in good standing. Not all applicants will qualify for the lowest rate. Offer not available for existing HSFCU auto loans. Rates are subject to change without notice. Certain restrictions may apply.S

Credit Card

   
APR as low as* Additional Information
10.49% Cash Back Rewards, No Balance Transfer Fee, No Annual Fee , No Cash Advance Fee, CU Rewards Program, Credit Card Disclosure & Agreement.
 

Home Equity Loan
(Closed-end Fixed Rate)

   
Approximate Term APR as low as*** Conditions
up to 60 months 5.75% 80% CLTV
 
up to 120 months 5.99% 80% CLTV
up to 180 months 6.25% 80% CLTV
 
     

Home Equity Line of Credit (Open-end Adjustable)

   
APR as low as* Additional Information Conditions
4.50% $250,000 Maximum
80% of CLTV
 
     

Personal Loans: 100% financing.

   
Approximate Term APR as low as*  
up to 12 months 6.99%  
 
up to 24 months 7.99%  
 
up to 36 months 9.24%  
 
up to 48 months 10.99%  
up to 60 months 12.74%  
 

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

** APR = Annual Percentage Rate. Variable APRs apply to purchases, balance transfers, and convenience checks. All rates are based on an evaluation of credit history, so your rate may differ. Repayment terms of 2% of outstanding balance or $25, whichever is greater.

***APR = Annual Percentage Rate Rates. Rates are based on an evaluation of credit history and CLTV (combined loan-to-value ratio), so your rate may differ. The minimum APR that can apply during the Home Equity Line of Credit is 4.00%. Our Home Equity Line APR varies based on the prime rate and is updated according to the published rate in the Wall Street Journal on the first work day of every month. Rates are based on an evaluation of credit history and CLTV (combined loan-to-value ratio), so your rate may differ.

Deposit Rates

 

Regular Share Account

   
Min. Deposit to Open Min. to Obtain APY* Dividend Rate & APY*
$50 $50 — $4,999 0.10%
 
$5,000+ 0.15%
   
     

Share Draft Account

   
Min. Deposit to Open Min. to Obtain APY* Dividend Rate & APY*
$0 $0 — $4,999 0.00%
 
$0 $5,000+ 0.00%
 
     

Money Market Account

   
Min. Deposit to Open Min. to Obtain APY* Dividend Rate & APY*
$1,500 $1,500 — $9,999
0.20%
 
$10,000 — $149,999 0.25%
 
$150,000 — $500,000+ 0.30%
 
     

Club & Holiday Accounts

   
Min. Deposit to Open Min. to Obtain APY* Dividend Rate & APY*
$0 $5+ 0.10%
 
     

IRA Account

   
Min. Deposit to Open Min. to Obtain APY* Dividend Rate & APY*
$0 $5+ 0.50%
 
*APY = Annual Percentage Yield. APY is subject to change without notice. Fees may reduce earnings. All rates and APYs are current as of the last declaration date.

Share Certificate Rates

Description Min. Deposit to Open Min. Deposit to Obtain APY* APY*
3 Month Share Certificate $0 – $9,999 $1,000
0.20%
     
$10,000 – $99,999 $10,000 0.25%
       
6 Month Share Certificate $0 – $9,999 $1,000
0.40%
     
$10,000 – $99,999 $10,000 0.50%
       
9 Month Share Certificate $0 – $9,999 $1,000
0.60%
     
$10,000 – $99,999 $10,000 0.75%
       
12 Month Share Certificate $0 – $9,999 $1,000
0.85%
     
$10,000 – $99,999 $10,000 1.00%
 
18 Month Share Certificate $0 – $9,999 $1,000
1.10%
     
$10,000 – $99,999 $10,000 1.26%
 
24 Month Share Certificate $0 – $9,999 $1,000
1.41%
     
$10,000 – $99,999 $10,000 1.61%
 
30 Month Share Certificate $0 – $9,999 $1,000
1.56%
     
$10,000 – $99,999 $10,000 1.76%
 
36 Month Share Certificate $0 – $9,999 $1,000
1.61%
     
$10,000 – $99,999 $10,000 1.81%
 
48 Month Share Certificate $0 – $9,999 $1,000
1.66%
     
$10,000 – $99,999 $10,000 1.91%
 
60 Month Share Certificate $0 – $9,999 $1,000
2.02%
     
$10,000 – $99,999 $10,000 2.17%

*APY = Annual Percentage Yield. APY will remain in effect for the term of the share certificate but may change each time the share certificate is renewed. Penalties apply for early withdrawal; fees may reduce earnings on the account. If the certificate is redeemed within 10 days of renewal, no penalty will apply. Dividends are compounded and credited quarterly. Rates offered are subject to change at any time.

Fees & Charges

We work hard to keep our costs for services affordable for our members.   We also offer a wide variety of FREE services, including:
 
Checking Account FREE
 
Mobile Banking FREE
 
Bill Payer FREE
 
Member-to-Member Transfers FREE
 
Draft Check Copies FREE
 
eStatements FREE
 
Financial Counseling FREE
 
Money Desktop Tool FREE
 
Account Inquiries and Transfers FREE
 
ACH Origination FREE
 
Debit Card Transactions & Purchases FREE
 
Direct Deposit FREE
 
Incoming Wire Transfers FREE
 
Account Closure (within 2 months of opening) $20.00 per account
 
Account Research $25.00 per hour or fraction thereof
 
Automatic Overdraft from Savings $5.00 per transfer
 
Bad Address $5.00 per month/per account
 
Check Copy $2.00 per copy
 
Dormant Account Fee
for share accounts with no activating (besides dividends) for one year and balance below $500. Waived for members younger than 21 or older than 65.
$5.00 per month
 
Duplicate or Interim Statement $5.00 per statement
 
Escheatment $50.00
 
Levy/Garnishment Processing $30.00 per item
 
 
Non-HSFCU ATM Withdrawal $1.50 per transaction
 
Overdraft/Non-Sufficient Funds/Uncollected FundsI $30.00 each
 
Paper Statement Fee – waived for members younger than 21 or older than 65 (eStatements are FREE) $2.75 per month
 
Reg. D Excess Transaction $5.00 per occurence
 
Reloadable Visa® Card $10.00 per card purchase/$4.95 per reload
 
Replacement of lost or stolen debit or credit card $10.00 per card
 
Returned deposited item or loan payment $10.00 per item
 
Rush delivery fee $15.00
 
Savings minimum balance $5.00 per month if minimum balance goes below Par Value ($50.00)
 
Second Loan Subordination $250.00
 
Special Collection Item $30.00 per item
 
Stop Payment $30.00 per request
 
Treasurer's Check $5.00 per check
 
Visa® Gift Card $4.95 per card
 
Wire Transfer (outgoing - domestic) $15.00 per transfer
 
Wire Transfer (outgoing - international) $50.00 per transfer