Tools


Check Reordering

Click here to enter the secure check reorder form.

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Loan Rates

Loan Types Interest Rate Shown as (APR)
Annual Percentage Rate
Term

New Vehicle (2012 – 2013)

2.90%
2.90%
2.90%
2.90%
36 Months
48 Months
60 Months
72 Months
Used Vehicle 2009 & Newer 2.90%
2.90%
2.90%
2.90%
36 Months
48 Months
60 Months
72 Months

Vehicles 2008 & Older

4.90%
4.90%
36 Months
48 Months
Boats, Travel Trailer
Motor Homes
(New & Used)
4.90%
4.90%
4.90%
5.50%
6.50%
36 Months
48 Months
60 Months
84 Months
120 Months
Motorcycles, ATVs,
Personal Watercraft
(New & Used)
6.00%
6.25%
6.50%
36 Months
48 Months
60 Months
Mobile Homes – New 7.95%
7.95%
8.95%
8.95%
8.95%
9.95%
36 Months
48 Months
60 Months
72 Months
84 Months
120 Months
Mobile Homes – Used 8.95%
8.95%
9.95%
9.95%
9.95%
10.95%
36 Months
48 Months
60 Months
72 Months
84 Months
120 Months

Personal Signature

10.00%
10.50%
36 Months
48 Months

Line of Credit

5.25% – 18.00%

 

Savings Accounts Rates

Account Type Dividend Rate Annual
Percentage
Yield
Term

Share Savings Account

0.10% 0.10% n/a
Christmas & Vacation Club 0.25% 0.25% n/a

Prestige Checking

0.10% 0.10% n/a
Share Certificates Rates
Balance Less then $25,000.00 0.50%
0.75%
1.00 %
1.50%
0.50%
0.75%
1.01 %
1.51%
12 Months
24 Months
36 Months
60 Months
Balance $25,000.00 to $79,999.99 0.50%
0.75%
1.00%
1.50%
0.50%
0.75%
1.01%
1.51%
12 Months
24 Months
36 Months
60 Months
Balance $80,000 & Over 0.50%
0.75%
1.00%
1.51%
0.50%
0.75%
1.01%
1.51%
12 Months
24 Months
36 Months
60 Months
Money Market Account
Balance $2,500 to $24,999.99 0.25% 0.25% n/a

 

Visa Credit Card Rates

Visa Credit Card Rates APR* On Purchases APR* Cash Advance APR* Balance Transfer Grace Period Annual Fee
Classic Visa 11.90% 11.90% 11.90% 25 Days None
Platinum Visa 8.90% 8.90% 8.90% 25 Days None
Fees for both cards
Minimum finance charge None None
Transaction Fee for Purchases None None
Transaction fee for cash advances $2.00 $2.00
Balance Transfer fee $2.00 $2.00
Late payment fee $19.00 $19.00
Over the credit limit fee $19.00 $19.00
Other fees and charges for both cards New / replacement card
Documentation fee
Card recovery fee
Returned check fee
$12.00
$12.00
$65.00
$25.00

Click here to calculate your loan for free!

Please note that rates are subject to change without notice. Each application is evaluated on an individual basis and loan advances are granted based upon the member’s credit history, ability to repay and collateral. The method of repayment is not a consideration. Loan rates may be adjusted up or down based on the applicant’s credit history. Share secured loan rates are indexed to the average dividend rate paid over the last four dividend periods.

Rates are effective January 1, 2013

Share Savings Account Disclosure: *Annual Percentage Yield on regular share accounts. This published dividend rate is for the prior quarter. Dividends for the upcoming period have not been established. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. MINIMUM BALANCE REQUIREMENTS: A member must maintain a minimum balance of on share ($5.00) at all times or his membership/account will be closed. Members must maintain a minimum “Average Daily Balance” of $100.00 in order to earn a dividend. BALANCE COMPUTATION METHOD: Dividends are calculated and paid based on the “Average Daily Balance” method. Under the “Average Daily Balance”, a periodic rate is applied to the average daily balance in the account for the period. The average daily balance is determined by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. COMPOUNDING, CREDITING, AND DIVIDEND PERIOD: Dividends are paid quarterly and credited at the end of business on the last day of the quarter (March 31, June 30, September 30 & December 31). Dividends will be available for withdrawal on the first business day after the end of a quarter. The dividend period is quarterly (dividend period=3 calendar months).

Share Certificates: Heritage Credit Union Share Certificate accounts are term Share Accounts. Minimum amount to purchase a Share Certificate is $1,000.00. Dividends earned are credited monthly, payable to depositor by check or transfer to another HCU deposit account, savings or checking. The APR/APY is fixed at time of initial deposit and will not change during the term of the certificate. There is a substantial penalty for early withdrawal. Rates offered may change at any time as determined by the credit union Board of Directors.

Christmas and Vacation Clubs accounts earn interest on a balance of $25.00 or more. $35.00 early withdraw penalty.

Checking (Share Draft) Account Disclosure: Prestige Checking earns interest on average daily balances maintained at $300.00 or above for the entire cycle period (1 month). A monthly service fee of $8.00 is applied if the average daily balance drops below $300 during the cycle. Maintenance fee such as this or activity fees such as ATM transaction fee or NSF fee could reduce the earnings on account. Minimum to open $100.

Money Market Account Disclosure: Minimum balance to open a money market account is $2,500.00. If the Average Daily Balance falls below $2,500.00, no interest is paid and a $6 monthly service charge will be assessed. No minimum withdrawal amount. Limited to 6 withdrawals per month, 3 of which may be by cash, check, or ATM card. Easily accessible by cash, checks, ATM/ Debit Card, or ACH transactions. Fees could reduce earnings on account. Rates in effect when account is opened are subject to change without notice at any time.