Rates

Loan Rates

Loan Types Rates as low as

Interest Rate Shown as (APR)
Annual Percentage Rate

Term

New Vehicles 2016-2017

3.00%
3.25%
3.75%
4.50%
48 Months
60 Months
72 Months
84 Months
Used Vehicles 2015 & Newer 3.75%
4.00%
4.00%
48 Months
60 Months
72 Months

Used Vehicles 2011-2014

6.00%
7.00%
48 Months
60 Months
Used Vehicles 2011 & Older 6.75%

7.75%

36 Months

48 Months

Boats, Motorcycles, ATVs, Jet Skis
(New)
6.75%
7.00%
7.50%
48 Months
60 Months
120 Months
Boats, Motorcycles, ATVs, Jet Skis
(Used)
7.75%
7.50%
48 Months
60 Months
Travel Trailers,
Rvs, Motor Homes, Pop-ups
(New)
7.50%
7.25%
7.00%
60 Months
120 Months
144 Months
Travel Trailers,
Rvs, Motor Homes, Pop-ups
(Used)
8.50%
9.95%
60 Months
120 Months

New Mobile Homes

9.50% 120 Months

Used Mobile Homes

10.50% 96 Months

Personal Signature

11.00% 48Months

Line of Credit

15.00%

 

Savings Accounts Rates

Account Type Dividend Rate Annual
Percentage
Yield
Term

Regular Shares

0.10% 0.10% n/a
Special Shares / Vacation Club 0.05% 0.05% n/a
Christmas Club 0.05% 0.05% n/a
L’argent Money Market 0.15% 0.15% n/a
IRA / Regular Shares 0.45% 0.45 n/a

Prestige Checking

0.10% 0.10% n/a
CDs (Minimum Deposit $1000)
6 Month Certificate 0.30 0.30 6
12 Month Certificate 0.40 0.40 12
18 Month Certificate 0.40 0.40 18
24 Month Certificate 0.50 0.50 24
36 Month Certificate 0.60 0.60 36
48 Month Certificate 0.70 0.70 48
60 Month Certificate 0.85 0.85 60
IRAs
24 Month Certificate 0.50 0.50 24
36 Month Certificate 0.60 0.60 36
48 Month Certificate 0.70 0.70 48
60 Month Certificate 0.85 0.85 60

 

Visa Credit Card Rates

Visa Credit Card Rates APR* On Purchases (Introductory APR*) APR* On Purchases APR* Cash Advance APR* Balance Transfers (Introductory APR*) APR* Balance Transfers Late Payment Grace Period
Visa Classic 9.75% 12.75% 15.00% 9.75% 12.75% 10 Days
Visa Gold 6.75% 8.75% 15.00% 6.75% 8.75% 10 Days
Fees for both cards  Classic  Gold
Minimum finance charge None None
Transaction Fee for Purchases None None
Transaction fee for cash advances $3.00 $3.00
Balance Transfer fee None None
Late payment fee $25.00 $25.00
Other fees and charges for both cards New / replacement card

Rush Fee
Returned payment fee

$25.00

$25.00
$20.00

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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, 2017

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 montly 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.