¹Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 2/7/2023 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.
²Average daily balance per checking share. Mininum to open account is $0.00.
³All accounts must be in good standing in order to receive the stated Dividend Rate. Good standing means you have on deposit at least the par value of one full share in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. Use of electronic services, minimum balance, and loan balances are required to earn reward APYs. If you do not qualify for a reward APY (minimum Reward, Basic), you will earn the basic reward default APY.
⁴Dividends are compounded quarterly and credited quarterly.
⁵Dividends are compounded monthly and credited monthly.
⁶A substantial penalty will be assessed for early withdrawal. Fixed rates for accounts with specific maturities are in effect until maturity.
⁷ APY is the Annual Percentage Yield. The 12 month certificate at 4.35% fixed APY is based on a dividend rate of 4.28%. The minimum to open the account and earn the stated APY is $500. Withdrawals, maintenance or activity fees will reduce stated earnings. Withdrawals of accrued dividends are permissible and will not incur a penalty. Withdrawals of principal will result in a penalty equal to 90 days dividends for certificates with maturities of six months, 180 days dividends for a 12 to 23 month certificate and a penalty equal to 365 days dividends for the 24 month and 36 month certificates.  Certificates with maturities of 48 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued.  For accounts that automatically renew for another term, you have a grace period of 10 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. The rates are accurate as of 2/8/2023 and are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This is offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.

⁸New money is a rollover of an existing HFCU certificate with a minimum of $10,000 in new money added or a new certificate opened with non-Heritage Financial Credit Union funds with a minimum of $10,000.

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.

8 As an example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 125% financing is also available for qualified borrowers. Maximum term is 84 months; other terms are available.

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 Minimum loan amount $500.00, maximum loan amount $2,500.00. A 1% transaction fee will be applied to foreign transactions (outside the US).

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

12 A deposit of 120% must be maintained throughout the life of the loan. As an example: $250 limit Secured VISA® requires $300 to be deposited.

13 As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.25% APR would result in an estimated payment of $8.54 for each $1,000.00 financed.

14 Subject to a 3.00% floor rate. There are certain draw down, balance requirements, and loan-to-value restrictions which may apply. For variable-rate loans, the APR may increase after consummation. Home Equity Lines of Credit closed out prior to their anniversary dates will be subject to the addition of all waived closing costs to the payoff balance.

15 Must be 1st lien position; appraisal is required. Must be 1- to 4- family dwelling, no manufactured homes. Maximum loan amount is $417,000. As an example: A 360 month term at a fixed rate of 3.75% with a 60% LTV would be $46.32 for each $10,000 borrowed. Taxes and insurance are not included; therefore the actual payment obligation will be greater.

16 ARM =Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase or decrease after the original fixed rate period.  That change can increase or decrease the monthly payment.  After the original fixed rate period the rate will adjust every 12 months (annually) for the remainder of the term of the loan  The APR will vary based on a predetermined index (as published in the Wall Street Journal or by the Federal Reserve) plus a margin and rounded to the nearest 1/8^th of one percent.  The ARM loans have an annual adjustment cap of a 2.00% increase or decrease from the current rate and a lifetime cap of 6.00% from the initial rate.  Rates on 3/1 ARMs are fixed for the first three years and will then adjust every 12 months for then term of the loan.  Rates on 5/1 ARMs are fixed for the first five years and will then adjust every 12 months for the term of the loan. Rates on 7/1 ARMs are fixed for the first seven years and will then adjust every 12 months for the term of the loan.  Rates are subject to credit union lending guidelines.

17 Maximum term is 180 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.

18 Maximum term is 60 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 5.49% APR would result in a payment of $19.10 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.

19 As of March 1, 2023, the 11.75% 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 7.75%). 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.