Loan Rates

Effective Date: September 20, 2021

Annual Percentage Rate (APR) may change at any time. All loans subject to approval.

APPLY

rates table
Auto Loans
Type of LoanAnnual Percentage Rate (APR)Term
New Autoas low as 1.78%*36 month term
New Autoas low as 1.98%*48 month term
New Autoas 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
New Boat/RV Loans
Type of LoanAnnual Percentage Rate (APR)Term
New Boatas low as 6.75%**36 month term
New Boatas low as 6.75%**48 month term
New Boatas 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
Used Boat/RV Loans
Type of LoanAnnual Percentage Rate (APR)Term
Used Boatas low as 6.75%**36 month term
Used Boatas low as 6.75%**48 month term
Used Boatas 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
Motorcycle Loans
Type of LoanAnnual 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
Lines of Credit
Type of LoanAnnual Percentage Rate (APR)Term
Line of Creditas low as 12.99%**N/A
rates-signature table
Signature Loan
Type of LoanAnnual Percentage Rate (APR)Term
Signature Loanas low as 11.98%**Up to 48 months
rates-term-share-secured table
Term Share Secured Loans
Type of LoanAnnual Percentage Rate (APR)Term
Term Share SecuredCurrent Earning Rate + 3.00%Varies
rates-regular-share-secured table
Regular Share Secured Loan
Type of LoanAnnual Percentage Rate (APR)Term
Regular Share SecuredCurrent Earning Rate +3.00%Varies
rates-mortgage table
Mortgage Loans
Type of LoanAnnual Percentage Rate (APR)Term
Mortgage2.88%***7 years
Mortgage1.98%***10 years (72 month balloon)
Mortgage1.98%***15 years (72 month balloon)
Mortgage1.98%***20 years (72 month balloon)
Mortgage1.98%***25 years (72 month balloon)
rates-home-improvement table
Home Improvement Loans
Type of LoanAnnual Percentage Rate (APR)Term
Home Improvementas low as 8.24%Up to 15 Years
rates-home-equity table
Home Equity Loans
Type of LoanAnnual Percentage Rate (APR)Term
Home Equityas low as 4.48%5 years
Discount - 1st lien home equity3.78%5 years
Home Equityas low as 6.45%10 years
Discount - 1st lien home equity4.53%10 years
Home Equityas low as 6.98%15 years
Discount - 1st lien home equity3.69%15 years
rates-credit-cards table
Credit Cards
Type of LoanAnnual Percentage Rate (APR)
Platinum Master Card10.90****
Gold Master Card12.90%****
Regular Master Card17.99%****
 

*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.

****Rate applies to Purchase APR, Balance Transfer APR and Cash Advance APR.