Loan Rates

Loan Rates


All rates and yields stated below are subject to change.


Vehicle Loans

Annual Percentage Rate
up to 100% financing
**Up to 48 Months **49-60 Months **61-72 Months **73-84 Months
2016-2017 model year As low as 1.99% 2.99% 3.99% 4.99%
2013-2015 model year As low as 2.49% 3.49% 4.49% 5.49%
2010-2012 model year As low as 2.99% 3.99% 4.99% 5.99%
2007-2009 model year As low as 3.49% 4.49% 5.49% 6.49%


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First Mortgage Loans

For a custom rate quote or purchase and refinance inquiries, please contact us by phone at 717-840-4981  or by email at info@heritagevalleyfcu.org

Product Interest Rate APR
30-year Fixed 4.625% xx.xx%
20-year Fixed 4.250% xx.xx%
15-year Fixed 3.750% xx.xx%


 
Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables—call for details. This is not a credit decision or a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your note.
 

Second Mortgage Loans

Term Interest Rate
Up to 60 month term As low as 4.25%
61 to 120 month term As low as 4.75%
121 to 180 month term As low as 5.25%


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Home Equity Lines of Credit

Rates based on Wall Street Journal Prime Rate
**As low as 3.25%

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Savings/CD Secured Loans

As low as 5.00%

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Student Loans

Determined by using the 1-Month LIBOR market index plus a margin
**As low as 6.00%

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VISA® Credit Card

**As low as 10.90%

Unsecured Signature Loans

Up to 60 month term **As low as 5.49%

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**All loans rates are quoted "as low as". Other rates and terms available. All loans subject to credit approval and standard underwriting guidelines apply. Rates determined by credit score.
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Deposits Federally Insured by the National Credit Union Administration and an Equal Opportunity Lender.