Rate Board
Loan rates effective as of 09/19/11. Members must credit qualify for rates listed herein.
Rates include a discount of .25% for Auto Payment from an HRCCU Account and are for members with a credit score of 730+..
| New Auto/Motorcycle Loans* |
2.75% A.P.R.* (Rate listed is up to 60 mos. term; $3,000+; 20010-2012 (Example: $15,000 loan @ 60 months = $269.53 monthly payment) Click here for other rates and terms |
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| Used Auto/Motorcycle Loans* |
3.25% A.P.R.* (Rate listed is up to 60 mos. term; $3,000+; 2006-2009 model years.) (Example: $10,000 loan @ 60 months = $181.92 monthly payment) Click here for other rates and terms |
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New/Used RV's and Boats * |
6.00% A.P.R.*, $3,000+ (rates listed are 36 month term; other rates/terms available.) (Example: $10,000 loan @ 36 months = $305.35 monthly payment) Click here for other rates and terms |
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| New/Used ATV's, Snowmobiles & watercraft * |
8.00% A.P.R.*, $3,001+ (rates listed are 36 month term; other rates/terms available.) (Example: $8,000 loan @ 36 months = $251.61 monthly payment) Click here for other rates and terms |
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| Unsecured Loans *** |
8.25% A.P.R.*(24 month term, $5,000+; other rates/terms available.) (Example: $10,000 @ 24 months = $454.56 monthly payment) |
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| Share Secured Loans |
3.25% A.P.R.*(up to 60 month term; other terms/rates available.) (Example: $5,000 @ 60 months = $90.40 monthly payment) |
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| Home Equity Loans | Please contact HRCCU for rates and terms. | |
| VISA PLATINUM Credit Card |
Contact HRCCU for current rates! |
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| Education Loans | 4.00% A.P.R.* (variable) |
*A.P.R. = Annual Percentage Rate
** HOME IMPROVEMENT LOAN: Borrow up to $7,500, 60 month maximum term, a copy of deed required. Amounts $7,501 - $25,000, 240 months maximum terms, a lien is placed on property. The payments for home improvement loan based on 60 month term for $7,500 loan amount with 7.53% A.P.R. is approximately $150.39 per month. The total of payments is approximately $8,742.42 with total finance charges of $1,242.42 A.P.R. is determined based on member's credit worthiness.
***UNSECURED (PERSONAL) LOAN: Deduct .25% from approved loan rate for using automatic loan payments from your HRCCU Account.
DIVIDEND RATESRates effective 9/23/11 |
MONTHLY SHARE ACCOUNTS
Regular/Special Shares |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| $0.00 - $499.99 | 0.00% | 0.00% | |||
| $500.00 - $4,999.99 | 0.10% | 0.10% | |||
| $5,000 and up |
0.25% | 0.25% | |||
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Youth Accounts |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| Ages 0 - 17 | $5.00 | 0.25% | 0.25% | ||
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Holiday Club |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| $1.00 | 0.15% | 0.15% | |||
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Premier Shares |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| Premier Share Acct | $25,000 and up |
0.60% | 0.60% | ||
| Premier IRA Share Acct*** | $25,000 and up |
0.60% | 0.60% | ||
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IRA Shares |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| $250 - $999.99 | 0.10% | 0.10% | |||
| $1,000 - $9,999.99 | 0.25% | 0.25% | |||
| $10,000 - $24,999.99 | 0.35% | 0.35% | |||
| $25,000 and up |
0.45% | 0.45% | |||
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Money Market Shares** |
Min Balance |
Dividend Rate |
A.P.Y. * |
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| $1,000 - $9,999,99 | 0.25% | 0.25% | |||
| $10,000 - $24,999.99 | 0.35% | 0.35% | |||
| $25,000 and up |
0.45% | 0.45% | |||
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Share Draft Accounts |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| Premier Share Draft Checking Account | $0.01 - $2,499.99 | 0.05% | 0.05% | ||
| $2,500 and up |
0.10% | 0.10% | |||
| GR8 2B Young Checking Account | $250.00 | 0.10% | 0.10% | ||
| Community Business Plus Checking Acct | $2,500 - $9,999 | 0.50% | 0.50% | ||
| $10,000 + | 0.75% | 0.75% |
QUARTERLY SHARE CERTIFICATE ACCOUNTS
Annual Percentage Yield effective 12/09/2011
SHARE CERTIFICATE TERMS |
Min Balance |
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Dividend Rate |
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A.P.Y.* |
| 6 Months | $500 | 0.40% | 0.40% | ||
| 12 Months | $500 | 0.65% | 0.65% | ||
| 18 Months | $500 | 0.75% | 0.75% | ||
| 24 Months | $500 | 0.85% | 0.85% | ||
| 36 Months | $500 | 1.05% | 1.05% | ||
| 60 Months | $500 | 1.64% | 1.65% | ||
GR8 2B Young Terms |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| 6 Months | $100 | 0.40% | 0.40% | ||
| 12 Months | $100 | 0.65% | 0.65% | ||
| 18 Months | $100 | 0.75% | 0.75% | ||
| 24 Months | $100 | 0.85% | 0.85% | ||
| 36 Months | $100 | 1.05% | 1.05% | ||
| 60 Months | $100 | 1.64% | 1.65% | ||
IRA Certificate *** Terms |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| 6 Months | $500 | 0.40% | 0.40% | ||
| 12 Months | $500 | 0.65% | 0.65% | ||
| 18 Months | $500 | 0.75% | 0.75% | ||
| 24 Months | $500 | 0.85% | 0.85% | ||
| 36 Months | $500 | 1.05% | 1.05% | ||
| 60 Months | $500 | 1.64% | 1.65% |
*APY = Annual Percentage Yield. Annual Percentage Yield is effective as of 1/3/12. Associated fees may reduce earnings on account(s). Early withdrawal of Share Certificate or Holiday Club accounts will result in a penalty fee or reduced earnings of annual percentage yield. Rates and terms subject to change without notice.
**Minimum withdrawal for MMSA is $250; limit 6 withdrawals a month; unlimited deposits of any amount may be made.
*** Premier IRA Share Accounts and IRA Share Certificates are subject to certain deposit and withdrawal restrictions. Contract an HRCCU representative at 518-654-9028 or 1-800-824-0700 for more information.
NOTE: Associated fees may reduce earnings on account(s). Early withdrawal of Share Certificate or Holiday Club accounts will result in a penalty fee or reduced earnings of annual percentage yield. Rates and terms subject to change without notice. A $5 credit report fee may be applicable. All title vehicles must pay the Vendor Single Interest (VSI) insurance payment of $95 per loan.
Updated 1/3/12
