Effective Date: December 6, 2021
Annual Percentage Rate (APR) may change at any time. All loans subject to approval.
APPLY
rates table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| New Auto | as low as 1.78%* | 36 month term |
| New Auto | as low as 1.98%* | 48 month term |
| New Auto | as low as 2.28%* | 60 month term |
| New Auto ($22,000 & Above) | as low as 4.48%* | 72 month term |
| New Auto ($35,000 & Above) | as low as 7.38%* | 84 month term |
| Used Auto (1 - 5 Year Model) | as low as 1.78%* | 36 month term |
| Used Auto (1 - 5 Year Model) | as low as 1.98%* | 48 month term |
| Used Auto (1 - 5 Year Model) | as low as 2.28%* | 60 month term |
| Used Auto ($22,000 & Above) | as low as 4.48%* | 72 month term |
| Used Auto ($35,000 & Above) | as low as 7.38%* | 84 month term |
rates-new-boat table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| New Boat | as low as 6.75%** | 36 month term |
| New Boat | as low as 6.75%** | 48 month term |
| New Boat | as low as 6.75%** | 60 month term |
| New Boat/RV ($22,000 & Above) | as low as 7.75%** | 72 month term |
| New Boat/RV ($35,000 & Above) | as low as 8.25%** | 84 month term |
rates-motorcycle table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Used Boat | as low as 6.75%** | 36 month term |
| Used Boat | as low as 6.75%** | 48 month term |
| Used Boat | as low as 6.75%** | 60 month term |
| Used Boat/RV ($22,000 & Above) | as low as 7.75%** | 72 month term |
| Used Boat/RV ($35,000 & Above) | as low as 8.25%** | 84 month term |
rates-boat table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| New Motorcycle (100%) | as low as 6.75%** | 24 / 36 / 48 / 60 month terms |
| Used Motorcycle (100% NADA) | as low as 6.75% | 12 / 24 / 36 / 48 month term |
rates-line-of-credit table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Line of Credit | as low as 12.99%** | N/A |
rates-signature table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Signature Loan | as low as 7.98%** | Up to 48 months |
rates-term-share-secured table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Term Share Secured | Current Earning Rate + 3.00% | Varies |
rates-regular-share-secured table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Regular Share Secured | Current Earning Rate +3.00% | Varies |
rates-mortgage table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Mortgage | 2.88%*** | 7 years |
| Mortgage | 2.28%*** | 10 years (72 month balloon) |
| Mortgage | 2.28%*** | 15 years (72 month balloon) |
| Mortgage | 2.28%*** | 20 years (72 month balloon) |
| Mortgage | 2.28%*** | 25 years (72 month balloon) |
rates-home-improvement table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Home Improvement | as low as 8.24% | Up to 15 Years |
rates-home-equity table|
| Type of Loan | Annual Percentage Rate (APR) | Term |
|---|
| Home Equity | as low as 4.48% | 5 years |
| Discount - 1st lien home equity | 3.78% | 5 years |
| Home Equity | as low as 6.45% | 10 years |
| Discount - 1st lien home equity | 4.34% | 10 years |
| Home Equity | as low as 6.98% | 15 years |
| Discount - 1st lien home equity | 3.96% | 15 years |
rates-credit-cards table|
| Program | Purchase & Balance Transfer APR(sup)(dagger)(/sup) | Cash Advance APR(sup)(dagger)(/sup) | Introductory Transfer APR(sup)(dagger)(/sup)(sup)(dagger)(/sup) |
|---|
| Platinum Mastercard(sup)(reg)(/sup) | 8.90% - 17.90% | 17.90% | 2.99% |
| Platinum Rewards Mastercard(sup)(reg)(/sup) | 11.90% - 17.90% | 17.90% | 2.99% |
| Secured Mastercard(sup)(reg)(/sup) | 17.90% | 17.90% | N/A |
*Limited time offer. Rate is fixed at time of loan approval. The actual periodic rate and corresponding annual percentage rate offered on each loan product are determined by the credit worthiness of each applicant. The lowest rates quoted are based on approved credit. Rate available for new loans only at HEBFCU for auto purchase 1 - 5 year models. Other terms and rates are available.
**Rate is fixed at time of loan approval. The actual periodic rate and corresponding annual percentage rate offered on each loan product are determined by the credit worthiness of each applicant. The lowest rates quoted are based on approved credit.
***Mortgage loan requires 20% equity. Your actual annual percentage rate may be different, as many factors affect the final APR.
†The APR is accurate as of 10/25/2021. Maximum APR will not exceed 18.00%. Purchase and balance transfer rate will vary based on market prime rate.
††Introductory Balance Transfer rate offered on new Platinum Mastercard and Platinum Rewards Mastercard accounts only; migrated Mastercard accounts opened prior to 10/25/21 and related balances are ineligible. Transfer must be from credit card account outside HEBFCU and made within 60 days of opening new Mastercard account at HEBFCU. New account introductory APR will apply to the first 12 statement closing dates following the balance transfer transaction. After that the APR will convert to the prevailing rate for your card: Platinum Mastercard or Platinum Rewards Mastercard.
