Disclaimers

New and Used Auto

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a 0.50% discount for having an automatic and continuous payment method and all existing loans in good standing. Any Credit Union loan that is not in good standing or delinquent may disqualify you from receiving the 0.50% discount.  Rates are based on an evaluation of credit history, so your rate may differ.  All loans subject to credit approval. New Auto Loan Rate applies to current model year plus the two (2) previous model years, up to 110% LTV (loan to value). Used Auto Loan Rate applies to model years ranging from 2019 to 2021.

Call for rates on older model vehicles. Loan amount will be determined by income and other factors.

An example of payment terms are as follows: an Amount Financed of $30,000 with an APR for 5.39% and a term of 72 months would have a monthly payment of $488.74.

Refinancing Your Car

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a 0.50% discount for having an automatic and continuous payment method and all existing loans in good standing. Any Credit Union loan that is not in good standing or delinquent may disqualify you from receiving the 0.50% discount. 

Rates are based on an evaluation of credit history and model year, so your rate may differ. Credit Union cannot guarantee all applicants will save. All loans subject to credit approval. Current Healthcare Systems FCU Auto Loans are not generally eligible for refinancing.

Auto Savings Estimate:  $1,395 is the difference between the amount paid in interest between Healthcare Systems Federal Credit Union's rate at 2.99% APR compared to 4.71% APR for the Virginia market average over the life of a $25,000 auto loan over 60 months. Monthly payments are approximately $17.96 per $1,000 borrowed at 2.99% APR for 60 months. Savings during period from June 2021 to June 2022.

Credit Card

APR is Annual Percentage Rate.  This APR will vary with the market based on the Prime Rate. The Prime Rate published in the "Money Rates" section of The Wall Street Journal on the first business day of the calendar month.

Rates are based on an evaluation of credit history, so your rate may differ.  All credit limits are subject to credit approval. Credit Card rates apply to outstanding balances on purchases, cash advances, and balance transfers.  

View Application Disclosure            View Credit Card Agreement

**6.90% Introductory APR on purchases and balance transfers only for qualifying members, for a period of 12 months from account opening. APR is Annual Percentage Rate. Existing accounts are not eligible. After 12 months or if you no longer qualify for the Introductory APR, your APR will be changed based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily.  Rates are based on an evaluation of credit history, so your rate may differ.  All credit limits are subject to credit approval.

Debt Consolidation Loans

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a 0.50% discount for having an automatic and continuous payment method and all existing loans in good standing. Any Credit Union loan that is not in good standing or delinquent may disqualify you from receiving the 0.50% discount. The rates shown are the lowest available and your rate may be higher.

An example of payment terms are as follows: an amount financed of $4,000 with an APR for 9.49% and a term of 12 months would have a biweekly payment of $149.52.

Home Equity Loans

Home Equity Line of Credit (HELOC)

*APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on Healthcare Systems FCU equity line products vary between 7.00% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Any rates shown assume an automated payment method.

Closing costs vary by state and range from $700 - $1800. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

**This promotional, 12-month introductory Annual Percentage Rate (APR) applies only to new loans and qualified collateral.  Promotion may end at any time and without notice. The plan will convert to variable rate after the first 12 months. A minimum initial draw amount of $20,000 is required to receive closing costs assistance. Refinancing existing Healthcare Systems FCU Home Equity Loans or Lines does not qualify for a promotional rate. Offer valid for a limited time only.

Healthcare Systems FCU NMLS# 412794

Fixed-Rate Home Equity Loans

APR is Annual Percentage Rate.  Our Fixed-Rate Home Equity Loans have a loan term up to 15 years. Funds will be disbursed after the federally mandated cancellation period. Offer applies to residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Property insurance is required; flood insurance may be required. Any rates shown assume an automated payment method. Rates are dependent on your loan amount, product and credit qualifications. All loans subject to credit approval, which includes verification of application information and receipt of collateral documents.

Closing costs vary by state and range from $700 - $1800. Closing costs paid by Healthcare Systems FCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.

Consult your tax advisor regarding the deductibility of interest.

Personal Loans

APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes a 0.50% discount for having an automatic and continuous payment method and all existing loans in good standing. Any Credit Union loan that is not in good standing or delinquent may disqualify you from receiving the 0.50% discount. The rates shown are the lowest available and your rate may be higher.

An example of payment terms are as follows: an amount financed of $3,500 with an APR for 9.49% and a term of 12 months would have a biweekly payment of $149.52.

Share and Certificate Secured Loans

APR is Annual Percentage Rate. APR for loans secured by shares will be 2.00% more than the annual percentage yield (APY) on the share account.  

APR for loans secured by certificates will be 2.00% more than the annual percentage yield (APY) on the certificate.  

Share Certificates

New Money Certificate

APY is Annual Percentage Yield.    New Money Certificate is available for new and existing members.  Healthcare Systems Federal Credit Union reserves the right to end or modify offer at any time.  Effective 8/1/2023 and the rate is subject to change.  There is a penalty for early withdrawal.  $1,000 minimum balance to open.  The 10-month term certificate will renew at the current 10-month certificate rate.  To qualify, the certificate(s) must be funded entirely with new deposits.  New Deposits are defined as funds not currently on deposit with Healthcare Systems Federal Credit Union.