Auto & Motorcycle Loan Rates

Terms
 APR* as low as  (2025 - 2023) APR* as low as  (2022 - 2019)
up to 36 months
4.86%
5.37%
up to 48 months
 5.25%
5.50%
up to 60 months
 5.42%
5.92%
up to 72 months
 5.74%
6.12%
up to 84 months
 6.79%
6.84%
up to 96 months
 8.00%
N/A

* APR = Annual Percentage Rate.  Please call for rates on model year 2018 and older.  Disclosure

Personal Loans

Terms APR* as low as
12 months
9.49%
24 months
10.49%
36 months
11.49%
48 months
12.99%
60 months
13.49%

 * APR = Annual Percentage Rate.  Disclosure

Home Equity Loans

Fixed-Rate Home Equity Loan

      
Loan and Term APR* as low as Maximum Loan Amount Maximum Combined LTV**
 5 Years 6.99% $250,000 80%
 10 Years 7.99% $250,000 80%
 15 Years 8.50% $250,000 80%
       

Home Equity Line of Credit

      
Loan APR* as low as Maximum Loan Amount Maximum Combined LTV**
Home Equity Line of Credit
 6.99% $250,000 80%

 

*APR = Annual Percentage Rate Rates.   Disclosure

Student Loans

APR* as low as Conditions
5.59% Variable Rates with auto-pay discount
4.43% Fixed Rates with auto-pay discount

*APR = Annual Percentage Rate. Variable Rates may increase after consummation.  Disclosure

  

Personal Line of Credit

APR* as low as Repayment Terms
15.25% Repayment terms of 2% of outstanding balance or $20, whichever is greater.

 *APR = Annual Percentage Rate. Disclosure

Credit Card

Cards APR and Rate Type
Platinum Rewards Visa

13.74% Variable, rate subject to change quarterly
Secured Visa 12.90% Fixed
*APR = Annual Percentage Rate.  Disclosure Card Agreement  
  

Deposit Rates

Savings

    
Minimum Balance Min. to Obtain APY* Dividend Rate & APY*
$10 $50 — $4,999 0.05%
$5,000 and above 0.10%
     

Checking

    
Minimum Balance Min. to Obtain APY* Dividend Rate & APY*
$0 $0 — $250,000 0.00%
     
     

Money Market Account

    
Minimum Balance Min. to Obtain APY* Dividend Rate & APY*
$1,500 $1,500 — $9,999  0.50%
$10,000 — $49,999 0.75%
$50,000 - $149,999 1.00%
  $150,000 and above 3.00%

Club & Holiday Accounts

    
Minimum Balance Min. to Obtain APY* Dividend Rate & APY*
$5 $5 and above 0.10%
     

IRA Account

    
Minimum Balance Min. to Obtain APY* Dividend Rate & APY*
$5 $5 0.25%
$5 $50,000 and above 0.50%
*APY = Annual Percentage Yield. APY is subject to change without notice. Fees may reduce earnings. All rates and APYs are current as of the last declaration date.

Share Certificate Rates

Term

Minimum Balance to Earn APY*

$1.00

Minimum Balance to Earn APY*

$10,000.00
6 months 2.00% 2.25%
10 months** 5.00% 5.30%
12 months 2.75% 3.00%
18 months 2.75% 3.00%
24 months 3.50% 3.75%
30 months 3.75% 4.00%
36 months 3.75% 4.00%
48 months 3.75% 4.00%
60 months 3.75% 4.00%

*APY = Annual Percentage Yield, an annualized rate that reflects estimated dividend earnings based on the dividend rate. Dividends compounded daily, credited quarterly. Rates offered are subject to change.  Fees may reduce earnings.  A penalty may be imposed for early withdrawal. **10 month promo is for New Money. New Money means funds not already deposited at Healthcare Systems FCU at the date of certificate opening.