Personal Loans

7 APR=Annual Percentage Rate. Actual rate may vary based on credit worthiness and down payment, if applicable. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice. Contact a credit union employee for further details. Other terms and conditions may apply.

9 All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account.

10 The maximum APR that may be imposed is 18.00%.

17 As of August 17, 2023, the 12.50% Annual Percentage Rate (APR) is available on the Universal Line of Credit (Un-LOC) and subject to change. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal (currently 8.50%). The margin will be based on credit worthiness and will vary, based on credit, from 4.00% to 11.00%. The maximum rate is 25.00% APR. Maximum loan amount up to $50,000. There are no annual fees. Minimum monthly payments based on 2.00% of outstanding balance (payment of $20.00 per month based on $1,000 balance).Rates are subject to change. Subject to credit approval, eligibility and credit qualifications. The Universal Line of Credit may be reduced or additional extensions of credit limited if certain circumstances occur. Approval for personal line of credit requires having a new or existing share account with the credit union.