Disclaimers

 

Site Terms

Website and application terms

Learn More

Privacy Policy

How we protect your privacy

Learn More

Accessibility

We want to share with everyone

Learn More

Web Browser Requirements

The best way to view our Website and Online Banking

Learn More

 

NCUA and Equal Housing

Our insurance and your rights

Learn More

 

 

New and Used Auto

APR is Annual Percentage Rate. Rates assume all loans in good standing and a .25% discount for auto pay. 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 2015 to 2019. 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 $25,000 with an APR for 3.09% and a term of 60 months would have a monthly payment of $450.27.

 

Refinancing Your Car

APR is Annual Percentage Rate. Rates assume all loans in good standing and a .25% discount for auto pay.  Rates are based on an evaluation of credit history, 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 eligible for refinance.



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.  

**0.00% Introductory APR on purchases only for qualifying members, for a period of 12 months. 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.



Home Equity Loans

Home Equity Line of Credit (HELOC)

The 3.39% promotional rate applies for the first 365 days on  new qualifying HELOCs. The promotional rate is limited to one per property and does not apply to subsequent credit limit increases or refinances. After that, the rate will adjust to the current index rate plus the applicable Margin. The promotional rate is not based on the index plus the applicable Margin. Refinancing existing Healthcare Systems FCU Home Equity Loans or Lines does not qualify for the promotional rate. Offer valid for a limited time only.

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 4.00% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Any rates shown assume an automated payment method.

A minimum loan amount of $30,000 is required to receive $250 towards closing costs on a new or refinanced loan. Closing costs vary by state and range from $700 - $1800. Closing costs paid by Healthcare Systems FCU are limited to flood determination, title insurance and recording fees. 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.

      

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.

A minimum loan amount of $30,000 is required to receive $250 towards closing costs on a new or refinanced loan. 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 .25% discount for having an automatic and continuous payment method and all existing loans in good standing. The rates shown are the lowest available and your rate may be higher.



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.  

 

Student Loans

APR is Annual Percentage Rate. The 0.25% auto-pay interest rate reduction applies as long as a valid credit union or bank account is designated for required monthly payments. Variable rates may increase after consummation. $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. 

The informational repayment example uses typical loan terms for a refinancing borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary