Loan Rates

Effective Date: August 8, 2022

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

APPLY


Auto Loans

Type of LoanAnnual Percentage Rate (APR)Term
New Autoas low as 3.88%*36 month term
New Autoas low as 4.28%*48 month term
New Autoas low as 4.38%*60 month term
New Auto ($22,000 & Above)as low as 4.98%*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 3.88%*36 month term
Used Auto (1 - 5 Year Model)as low as 4.28%*48 month term
Used Auto (1 - 5 Year Model)as low as 4.38%*60 month term
Used Auto ($22,000 & Above)as low as 4.98%*72 month term
Used Auto ($35,000 & Above)as low as 7.38%*84 month term



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



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



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



Lines of Credit

Type of LoanAnnual Percentage Rate (APR)Term
Line of Creditas low as 12.99%**N/A



Personal Loan

Type of LoanAnnual Percentage Rate (APR)Term
Personal Loanas low as 9.98%**Up to 24 months



Term Share Secured Loans

Type of LoanAnnual Percentage Rate (APR)Term
Term Share SecuredCurrent Earning Rate + 3.00%Varies



Regular Share Secured Loan

Type of LoanAnnual Percentage Rate (APR)Term
Regular Share SecuredCurrent Earning Rate +3.00%Varies



Mortgage Loan

Type of LoanAnnual Percentage Rate (APR)Term
Mortgage4.48%***7 years
Mortgage4.28%***10 years (72 month balloon)
Mortgage4.28%***15 years (72 month balloon)
Mortgage4.28%***20 years (72 month balloon)
Mortgage4.28%***25 years (72 month balloon)



Home Improvement Loans

Type of LoanAnnual Percentage Rate (APR)Term
Home Improvementas low as 8.24%Up to 15 Years



Home Equity Loans

Type of LoanAnnual Percentage Rate (APR)Term
Home Equityas low as 5.98%5 years
Discount - 1st lien home equity5.58%5 years
Home Equityas low as 6.44%10 years
Discount - 1st lien home equity5.70%10 years
Home Equityas low as 6.98%15 years
Discount - 1st lien home equity5.84%15 years



Credit Cards

ProgramPurchase & Balance Transfer APR†Cash Advance APR†Introductory Transfer APR††
Platinum Mastercard®11.15% - 17.90%17.90%2.99%
Platinum Rewards Mastercard®14.15% - 17.90%17.90%2.99%
Secured Mastercard®17.99%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 7/28/2022. 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.