Effective Date: October 7, 2024
Annual Percentage Rate (APR) may change at any time. All loans subject to approval.
APPLY
Auto Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| New Auto | as low as 5.29%* | 36 month term |
| New Auto | as low as 5.79%* | 48 month term |
| New Auto | as low as 5.89%* | 60 month term |
| New Auto ($22,000 & Above) | as low as 6.09%* | 72 month term |
| New Auto ($35,000 & Above) | as low as 7.45%* | 84 month term |
| Used Auto (1 - 5 Year Model) | as low as 5.29%* | 36 month term |
| Used Auto (1 - 5 Year Model) | as low as 5.79%* | 48 month term |
| Used Auto (1 - 5 Year Model) | as low as 5.89%* | 60 month term |
| Used Auto ($22,000 & Above) | as low as 6.09%* | 72 month term |
| Used Auto ($35,000 & Above) | as low as 7.45%* | 84 month term |
New Boat/RV Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| New Boat | as low as 7.00%** | 36 month term |
| New Boat | as low as 7.00%** | 48 month term |
| New Boat | as low as 7.00%** | 60 month term |
| New Boat/RV ($22,000 & Above) | as low as 8.00%** | 72 month term |
| New Boat/RV ($35,000 & Above) | as low as 8.50%** | 84 month term |
Used Boat/RV Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Used Boat | as low as 7.00%** | 36 month term |
| Used Boat | as low as 7.00%** | 48 month term |
| Used Boat | as low as 7.00%** | 60 month term |
| Used Boat/RV ($22,000 & Above) | as low as 8.00%** | 72 month term |
| Used Boat/RV ($35,000 & Above) | as low as 8.50%** | 84 month term |
Motorcycle Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| New Motorcycle (100%) | as low as 7.00%** | 24 / 36 / 48 / 60 month terms |
| Used Motorcycle (100% NADA) | as low as 7.00% | 12 / 24 / 36 / 48 month term |
Lines of Credit
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Line of Credit | as low as 12.99%** | N/A |
Personal Loan
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Personal Loan | as low as 11.98%** | Up to 24 months |
| Personal Loan | as low as 12.98%** | Up to 48 months |
Term Share Secured Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Term Share Secured | Current Earning Rate + 3.00% | Varies |
Regular Share Secured Loan
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Regular Share Secured | Current Earning Rate +3.00% | Varies |
Mortgage Loan
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Mortgage | 5.99%*** | 7 years |
| Mortgage | 5.69** | 10 years (72 month balloon) |
| Mortgage | 5.69*** | 15 years (72 month balloon) |
| Mortgage | 5.69%*** | 20 years (72 month balloon) |
| Mortgage | 5.69*** | 25 years (72 month balloon) |
Home Improvement Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Home Improvement | as low as 8.99% | Up to 15 Years |
Home Equity Loans
| Type of Loan | Annual Percentage Rate (APR) | Term |
| Home Equity | as low as 7.25% | 5 years |
| Discount - 1st lien home equity | 6.99% | 5 years |
| Home Equity | as low as 7.75% | 10 years |
| Discount - 1st lien home equity | 7.21% | 10 years |
| Home Equity | as low as 8.32% | 15 years |
| Discount - 1st lien home equity | 6.82% | 15 years |
Credit Cards
| Program | Purchase & Balance Transfer APR† | Cash Advance APR† | Introductory Transfer APR†† |
| Platinum Mastercard® | 13.65% - 17.90% | 17.90% | 2.99% |
| Platinum Rewards Mastercard® | 16.65% - 17.90% | 17.90% | 2.99% |
| Secured Mastercard® | 17.99% | 17.99% | 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 9/19/2024. 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.
Membership eligibility required. Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. Rewards are forfeited if your Card is closed before redemption. We reserve the right to disqualify transactions that are not usual or customary and are apparently structured or intended to abuse the program. Abuse of the program may result in loss of rewards and Card privileges.
