Rates

Loan & Credit Card Rates

Model Year Up to 48 Months 49 to 60 Months 61 to 72 Months 73 to 84 Months 85 to 96 Months
2023 - 2024 as low as 5.99% apr* 6.74% apr* 6.74% apr* 7.49% apr* 8.99% apr*
2020 - 2022 as low as 6.49% apr* 7.24% apr* 7.24% apr* 7.99% apr* 9.49% apr*
2017 - 2019 as low as 6.99% apr* 7.74% apr* 7.74% apr* 8.99% apr* 10.49% apr*
2014 - 2016 as low as 7.49% apr* 8.24% apr* 8.24% apr* 9.99% apr* 11.49% apr*
​*APR = Annual Percentage Rate

Apply for an Auto Loan

 

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Check Today's Mortgage Rates

Term APR*
1-5 Years As low as 6.24%
6-10 Years As low as 6.49%
11-15 Years As low as 6.74%

​*APR = Annual Percentage Rate

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Term APR*
1-5 Years As low as 6.49%
6-10 Years As low as 6.74%
11-15 Years As low as 6.99%

*APR = Annual Percentage Rate

Apply for a Home Equity Loan

APR*
As low as 8.50%**

*APR = Annual Percentage Rate

**Based on Wall Street Journal Prime Rate

Apply for a Line of Credit

Description Term APR*
Unsecured Signature Loans Up to 60 Months As low as 10.24%

*APR = Annual Percentage Rate

Apply for a Personal Loan

Description APR*
HV Platinum VISA As low as 10.90%

*APR = Annual Percentage Rate

Apply for a Student Loan

Description APR*
HV Platinum VISA As low as 10.90%

*APR = Annual Percentage Rate

Apply for a Credit Card

Checking, Savings & Certificate Rates

Term Minimum Balance Rate APY*
6 Months $500 3.20% 3.25%
12 Months $500 4.41% 4.50%
18 Months $500 4.65% 4.75%
24 Months $500 3.45% 3.50%
30 Months $500 2.48% 2.50%
36 Months $500 2.52% 2.55%
48 Months $500 2.62% 2.65%
60 Months $500 2.72% 2.75%

*APY = Annual Percentage Yield.
*IRA Certificates Require a Minimum Term of 12 Months

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Term Minimum Balance Rate APY*
6 Months $10,000 3.25% 3.30%
12 Months $10,000 4.46% 4.55%
18 Months $10,000 4.70% 4.80%
24 Months $10,000 3.49% 3.55%
30 Months $10,000 2.52% 2.55%
36 Months $10,000 2.57% 2.60%
48 Months $10,000 2.67% 2.70%
60 Months $10,000 2.77% 2.80%

*APY = Annual Percentage Yield. Substantial penalty for early withdrawal. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for the term stated. Dividend rates are subject to change without notice. Dividends are compounded monthly, except for the 90-day certificate, which compounds at maturity. Available for IRA Investments with a $250.00 minimum balance. Heritage Gold Rate applies to regular Certificates and Individual Retirement Account.

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Average Daily Balance Rate APY*
$2,500 to $24,999 0.75% 0.75%
$25,000 to $49,999 1.05% 1.05%
$50,000 to $99,999 1.24% 1.25%
$100,000 and Up 1.64% 1.65%

*APY = Annual Percentage Yield. Minimum balance to earn dividends is $2,500.00 in the above accounts. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.

OPEN AN ACCOUNT

Rate APY*
0.10% 0.10%

*APY = Annual Percentage Yield. Minimum balance to earn dividends is $50.00 in the above accounts. Annual Percentage Yields are current and effective.Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.

OPEN AN ACCOUNT

Rate APY*
0.10% 0.10%

*APY = Annual Percentage Yield. Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly. Health Savings accounts are subject to eligibility requirements. Please see a member service specialist for details.

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