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Loan Products
Effective 08-01-08
Get
an additional 1/4% off of your loan rate by having an active checking account or
opening one with H&H FCU.
Continue here for more information
***Some restrictions may apply***
Auto
Loans
New Autos—Finance
up to 100% of Sticker
| 5.05%
APR¹ for up
to 36 mo |
5.30%
APR for up
to 60 mo |
| 5.15%
APR for up to 48 mo |
5.65%
APR
for up to 72 mo* |
| 6.15%
APR
for up to 84 mo** |
| *Must
be over $20,000.00 to qualify for 61 to 72 months |
| *Must
be over $30,000.00 to qualify for 73 to 84 months |
|
¹Annual
Percentage Rate |
| All
Rates and Terms based on approved credit. |
Used Autos—Finance
up to 100% NADA Retail
| 5.05%
APR¹ for up to 36 mo |
|
5.15%
APR for up to 48 mo |
|
5.30%
APR for up to 60
mo*
|
| *Must be
over $15,000.00 to qualify for 49-60 months |
| ¹Annual
Percentage Rate |
| All Rates and
Terms based on approved credit. |
Older
Model (1998-2000) - Finance up to NADA Loan Value
9.00%
Annual
Percentage Rate for up to 18 months
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Boat & RV Loans
New Boats
& RV's—Finance up to 100% of
Sticker
| 5.05%
APR¹ for up to 36 mo |
5.65%
APR for up to 72 mo |
| 5.15%
APR for up to 48 mo |
6.15%
APR for up to 84 mo |
| 5.30%
APR for up to 60 mo |
6.90%
APR for up to
120 mo* |
| *Must
be over $35,000.00 to qualify for 85 to 120 months |
|
¹Annual Percentage
Rate |
| All Rates and
Terms based on approved credit. |
Used Boats & RV's—Finance
up to NADA Loan Value
| 5.05%
APR¹ for up to 36 mo |
5.30%
APR for up to 60 mo |
| 5.15%
APR for up to 48 mo |
5.65%
APR for up to 72
mo* |
|
6.15%
APR for up to 84 mo* |
| *Must
be over $35,000.00 to qualify for 61-84 months |
|
¹Annual Percentage
Rate |
| All Rates and Terms
based on approved credit. |
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Motorcycle Loans
New
Motorcycles—Finance
up to 75% of list
| 5.05%
APR¹ for up
to 36 mo |
|
5.15%
APR for up to 48 mo |
|
5.30%
APR for up to 60 mo
|
|
¹Annual
Percentage Rate |
| All
Rates and Terms based on approved credit. |
Used Motorcycles—Finance
up to NADA Loan Value
| 5.05%
APR¹ for up to 36 mo |
| 5.15%
APR for up to 48 mo |
| ¹Annual
Percentage Rate |
| All Rates and
Terms based on approved credit. |
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Jet Ski Loans
New:
|
Up to 36-month term at 11.25% annual percentage rate |
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Furniture Loans
|
Up to 36-month term at 11.25% annual percentage rate |
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Computer Loans
|
Up to 36-month term at 11.25% annual percentage rate |
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Signature Loans
|
Up to $3500.00 for out to 36 months at
10.90% annual
percentage rate* |
|
*Excluding MasterCard,
maximum aggregate unsecured amount per member is $5,500.00 |
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Share Secured & Term
Share Certificate Secured Loans
|
4.90%
APR¹ for up to 24 mo
|
|
5.05%
APR for up to 36 mo
|
|
5.15%
APR for up to 48 mo
|
|
5.30%
APR for up to 60 mo |
|
5.65%
APR for up to 72 mo |
|
6.15%
APR for up to 84 mo |
|
6.90%
APR for up to
120 mo |
| ¹Annual Percentage
Rate |
| All Rates and
Terms based on approved credit. |
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Real
Estate Loans
|
Less than $20K (out to 10 years) at
5.85% annual
percentage rate |
|
Over $20K (out to 15 years) at
6.00%
annual percentage
rate |
|
**Not eligible for checking account
discount |
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Home
Equity Loans
-
Maximum
amount 80% of appraised value less balance of all other liens on
property
-
Minimum loan amount $5,000.00
-
Limited to once every twelve
months and one per household
|
Up to 60 months |
6.25%
APR¹ |
|
61 to 84 months |
6.60%
APR |
|
85 to 120 months |
7.00%
APR |
|
¹Annual Percentage Rate |
|
All Rates and
Terms based on approved credit. |
|
Some restrictions may apply. |
|
**Not eligible for checking account
discount |
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Home Improvement Loans
|
6.75%
annual percentage rate |
|
**Not eligible for checking account
discount |
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All Other Loans
|
Up to 36-month term at 14.50% annual percentage rate |
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MasterCard
No annual fee. 9.9
annual percentage rate. No
interest charged if paid in full within the 25 - day grace period. Six
month employment required. Application
**Not eligible for
checking account discount
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Fee Schedule
Effective January 1, 2003
|
Silver Checking Account Fees
|
|
Service Charge |
$5.00/Month if minimum
Average Daily Balance is not met |
|
Gold Checking Account Fees |
| Service Charge |
$5.00/Month if minimum
Average Daily Balance is not met |
|
All Checking Account Fees |
| Overdraft Fee |
$1.00/Item Applicable only
after three (3) transfers per month |
| NSF Fee |
$15.00/Item |
| Stop Payment Fee |
$10.00/Request |
|
Other Service Fees |
| Wire
Transfer Fee (Outgoing) |
$8.00/Transfer |
| International
Wire Fee (Outgoing) |
$30.00/Transfer |
| Account Research |
$15.00/Hour ($15.00
minimum charge) |
| Photocopy Fee |
$0.10/Copy |
| Fax (outgoing) |
$0.25/Faxed Page |
| Traveler's Cheques for 2 |
$0.50 per $100.00 |
| Gift Cheques |
$1.25 per Cheque |
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Example of Repayment
Terms
New Car Repayment Terms
| Number of Periods: 48 Months |
| Number of Payments: 48
Monthly |
| Effective annual percentage rate:
5.15% |
| Amount Financed: $1,000.00 |
| Payment Amount: $23.10 |
| With a Final Payment of : $23.01 |
Approximate:
| Total Finance Charges:
$108.71 |
| Total of Payments: $1,108.71 |
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