Apply Now Button Rates Effective: 6/23/2020

Get an additional .10% discount if you are enrolled or enroll for Estatements

Get an additional .20% discount when you have a checking account and direct deposit sent to us

H&H Federal Credit Union will MEET OR BEAT any competitors rate by .25%!**

***Some restrictions to the above may apply*** 

 

New Autos – Finance up to 100% of Sticker, less than 7,500 miles

With our Auto Shopping Service find and finance your next car all in one spot.  We can pre-approve you for a loan while you search through local dealer inventory. Plus, you can get side-by-side comparisons of vehicles to see how they measure up.

  CLICK HERE FOR AUTO SHOPPING SERVICE

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Term  Rate as Low as: (APR¹)
36 months 2.85%
48 months 2.90%
60 months 3.05%
 72 months* 3.45%
  84 months** 3.95%

*Must be over $20,000.00 to qualify for 61 to 72 months **Must be over $30,000.00 to qualify for 73 to 84 months ¹Annual Percentage Rate All Rates and Terms based on approved credit.

Used Autos(2005-2020 only) – Finance up to 100% NADA Retail or 77% of original sticker if not listed in NADA. Over 7,500 miles considered a Used Auto

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Term  Rate as Low as: (APR¹)
36 months  2.85% 
48 months 2.90%
60 months 3.05%
  72 months** 3.45%

**Must be over $20,000.00 to qualify for 61-72 months ¹Annual Percentage Rate All Rates and Terms based on approved credit.

 

New Boat & RV’s – Finance up to 100% of Sticker

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Term  Rate as Low as: (APR¹)

36 months

2.85%

48 months

2.90%

60 months

3.05%

72 months

3.45%

84 months

3.95%

120 months*

5.75%

*Must be over $35,000.00 to qualify for 85 to 120 months ¹Annual Percentage Rate All Rates and Terms based on approved credit.

Used Boats & RV’s – Finance up to NADA Loan Value

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Term  Rate as Low as: (APR¹)

36 months

2.85%

48 months

2.90%

60 months 3.05%

72 months*

3.45%

84 months*

3.95%

*Must be over $35,000.00 to qualify for 61 to 84 months ¹Annual Percentage Rate All Rates and Terms based on approved credit.

New Motorcycles – Finance up to 100% of List

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Term  Rate as Low as: (APR¹)
36 months 2.85%
48 months 2.90%

 60 months

 3.05%

 72 months*

 3.45%

  84 months**

 3.95%

  ¹Annual Percentage Rate *must be over $20,000 to qualify ** must be over $30,000 to qualify

 

Used Motorcycles – Finance up to NADA retail value

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Term  Rate as Low as: (APR¹)
36 months 2.85%
48 months 2.90%
60 months 3.05%
 72 months* 3.45%

¹Annual Percentage Rate *must be over $20,000 to qualify All Rates and Terms based on approved credit.

 

Jet Ski Loans

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New: 75% of list
Term  Rate as Low as: (APR¹)

              36 months

 9.90%

Signature Loans 

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Term  Rate as Low as: (APR¹)

              42 months

 9.90%
One Time Pay- 90 day maximum term
Excluding MasterCard, the aggregate maximum unsecured amount per member is $25,000.00

¹Annual Percentage Rate All Rates and Terms based on approved credit. Some restrictions may apply Not eligible for checking account discount

Share Secured & Term Share Certificate Secured Loans

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Term  Rate as Low as: (APR¹)
24 months 2.85%
36 months 2.85%
48 months 2.90%
60 months 3.05%
72 months 3.45%
84 months 3.95%
 120 months 5.75%
¹Annual Percentage Rate

Real Estate Loans – 80% of appraised value or 90% of purchase price, which ever is lower

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Term  Rate as Low as: (APR¹)
Less than $30K -10 years/120 months 3.95%
Over $30K -15 years/180 months 4.10%
Not eligible for estatement or direct deposit discount

Home Equity Loans

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  • Maximum amount 80% of appraised value less balance of all other liens on property
  • Minimum loan amount $10,000.00
  • Limited to once every twelve months and one per household
  • Not eligible for estatement or direct deposit discount
Term  Rate as Low as (APR¹)

       Up to 60 months

 3.50%

       61 to 84 months

 3.75%

       85 to 120 months

 4.00%

      Over $30K – 121 to 180 months

 4.25%

 

All Other Loans

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Up to 36-month term as low as 9.90% annual percentage rate

MasterCard

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No annual fee. 9.9 annual percentage rate on Standard and Platinum cards. 14.9 annual percentage rate on the NEW Platinum Rewards card. No interest charged if paid in full within the 25 – day grace period. Six month employment required. MasterCard Application Not eligible for estatement or direct deposit discount.

Example of Repayment Terms

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New Car Payment Terms:

Number of Periods:  48 Months
Number of Payments:  48 Monthly
Effective annual percentage rate:  2.95%
Amount Financed:  $1,000.00
Payment Amount:  $22.12
With a Final Payment of :  $21.68

 Approximate:

Total Finance Charges:  $61.32
Total of Payments:  $1,061.32