Rate Board
Loan rates effective as of 06/21/10. Members must credit qualify for rates listed herein.
For a list of current loan specials, please click here.
| Loan Discounts Available |
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HRCCU Members can receive up to .75% off their approved new/used vehicles, motorcycles, RV's, campers, ATV's,and boat loan rates based on their relationship with HRCCU. For more details, rates and terms or to apply, speak to anyone on the credit union staff or see terms below.Please see disclosure below for details. Rates are as low as......
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| New Auto Loans* |
4.72% A.P.R.** (Rate listed is for 48 mos. term; $25,000+.) |
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| Used Auto Loans* | 4.92% A.P.R.** (Rate listed is for 48 mos. term; $15,000+.) | |
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New/Used RV's, Boats and Motorcycles* |
4.72% A.P.R.**, $25,000+ (rates listed are 48 month term; other rates/terms available.) | |
| New/Used ATV's, Snowmobiles & watercraft * | 5.92% A.P.R.**, $15,001+ (rates listed are 48 month term; other rates/terms available.) | |
| Unsecured Loans **** | 8.08% A.P.R.**(24 month term, $5,000+; other rates/terms available.) | |
| Share Secured Loans | 5.14% A.P.R.**(48 month term, over $25,000; other terms/rates available.) | |
| Home Equity Loans | Please click here to visit our home equity page. | |
| Home Improvement Loans (insured FHA)*** | 7.53% A.P.R.**, under $7,500 (See below for more info.) | |
| VISA PLATINUM Credit Cards |
Contact HRCCU for current rates! |
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| Education Loans | 4.75% A.P.R.** (variable) |
* UP TO .75% A.P.R. IN LOAN DISCOUNTS AVAILABLE ON ALL NEW/USED VEHICLES, MOTORCYCLES, RV'S, BOATS, ATV'S OR CAMPER LOANS FOR MEMBERS USING THE FOLLOWING HRCCU PRODUCTS: Deduct .25% for automatic loan payments or disability insurance; deduct .25% for using HRCCU's checking, debit card and Virtual Branch Internet Banking program; deduct .25% off for using any other 2 products (excluding regular shares) NOTE: Borrowers must credit qualify for all loan rates listed. Rates/terms subject to change without notice. Loan rates are listed in Annual Percentage Rate (A.P.R.)
Contact HRCCU for more information.
**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 6.20% A.P.R. is approximately $145.71 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 or payment protection.
DIVIDEND RATESRates effective 06/21/10 |
MONTHLY SHARE ACCOUNTS
Regular 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 |
0.50% | 0.50% | |||
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Youth Accounts |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| Ages 0 - 17 | $5.00 | 0.50% | 0.50% | ||
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Holiday Club |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| $1.00 | 0.25% | 0.25% | |||
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Premier Shares |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| Premier Share Acct | $25,000 and up |
0.85% | 0.85% | ||
| Premier IRA Share Acct*** | $25,000 and up |
0.85% | 0.85% | ||
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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 | 0.50% | 0.50% | |||
| $25,000 and up |
0.75% | 0.75% | |||
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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 | 0.50% | 0.50% | |||
| $25,000 and up |
0.75% | 0.75% | |||
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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 | 0.15% | 0.15% | ||
| $2,500 and up |
0.25% | 0.25% | |||
| GR8 2B Young Checking Account | $250.00 | 0.25% | 0.25% | ||
| Community Business Plus Checking Acct | $2,500 - $9,999 | 0.50% | 0.50% | ||
| $10,000 + | 0.75% | 0.75% |
QUARTERLY SHARE CERTIFICATE ACCOUNTS
SHARE CERTIFICATE TERMS |
Min Balance |
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Dividend Rate |
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A.P.Y.* |
| 6 Months | $500 | 0.75% | 0.75% | ||
| 12 Months | $500 | 1.09% | 1.10% | ||
| 15 Months Special | $500 | 1.19% | 1.20% | ||
| 18 Months | $500 | 1.09% | 1.10% | ||
| 24 Months | $500 | 1.49% | 1.50% | ||
| 30 Months | $500 | 1.54% | 1.55% | ||
| 36 Months | $500 | 1.99% | 2.00% | ||
| 60 Months | $500 | 2.72% | 2.75% | ||
GR8 2B Young Terms |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| 6 Months | $100 | 0.75% | 0.75% | ||
| 12 Months | $100 | 1.09% | 1.10% | ||
| 15 Months Special | $100 | 1.19% | 1.20% | ||
| 18 Months | $100 | 1.09% | 1.10% | ||
| 24 Months | $100 | 1.49% | 1.50% | ||
| 30 Months | $100 | 1.54% | 1.55% | ||
| 36 Months | $100 | 1.99% | 2.00% | ||
| 60 Months | $100 | 2.72% | 2.75% | ||
IRA Certificate *** Terms |
Min Balance |
Dividend Rate |
A.P.Y.* |
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| 6 Months | $500 | 0.75% | 0.75% | ||
| 12 Months | $500 | 1.09% | 1.10% | ||
| 15 Months Special |
$500 | 1.19% | 1.20% | ||
| 18 Months | $500 | 1.09% | 1.10% | ||
| 24 Months | $500 | 1.49% | 1.50% | ||
| 30 Months | $500 | 1.54% | 1.55% | ||
| 36 Months | $500 | 1.99% | 2.00% | ||
| 60 Months | $500 | 2.72% | 2.75% |
*APY = Annual Percentage Yield. 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.
*** Premier IRA Share Accounts and IRA Share Certificates are subject to certain deposit and withdrawal restricitions. 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 $65 per loan.
Updated 6/21/10
