Rates Effective: 02-7-2017
Get an additional .20% discount if you are enrolled or enroll for Estatements
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.
”View
| Term |
Rate as Low as: (APR¹) |
| 36 months |
2.60% |
| 48 months |
2.75% |
| 60 months |
3.00% |
| 72 months* |
3.50% |
| 84 months** |
4.50% |
*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 - Finance up to 100% NADA Retail or 77% of original sticker if not listed in NADA. Over 7,500 miles considered a Used Auto
”View
| Term |
Rate as Low as: (APR¹) |
| 36 months |
2.60% |
| 48 months |
2.75% |
| 60 months |
3.00% |
| 72 months** |
3.50% |
**Must be over $20,000.00 to qualify for 61-72 months ¹Annual Percentage Rate All Rates and Terms based on approved credit.
11-15 year old Models - Finance up to NADA Loan Value
Rate as low as 9.00% Annual Percentage Rate for up to 24 months
New Boat & RV’s - Finance up to 100% of Sticker
”View
| Term |
Rate as Low as: (APR¹) |
|
36 months |
2.60% |
|
48 months |
2.75% |
|
60 months |
3.00% |
|
72 months |
3.50% |
|
84 months |
4.50% |
|
120 months* |
5.30% |
*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
”View
| Term |
Rate as Low as: (APR¹) |
|
36 months |
2.60% |
|
48 months |
2.75% |
| 60 months |
3.00% |
|
72 months* |
3.50% |
|
84 months* |
4.50% |
*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
”View
| Term |
Rate as Low as: (APR¹) |
| 36 months |
2.60% |
| 48 months |
2.75% |
|
60 months |
3.00% |
|
72 months* |
3.50% |
|
84 months** |
4.50% |
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
”View
| Term |
Rate as Low as: (APR¹) |
| 36 months |
2.60% |
| 48 months |
2.75% |
| 60 months |
3.00% |
| 72 months* |
3.50% |
¹Annual Percentage Rate *must be over $20,000 to qualify All Rates and Terms based on approved credit.
Jet Ski Loans
”View
| New: 75% of list |
| Term |
Rate as Low as: (APR¹) |
|
36 months |
9.00% |
Furniture Loans
”View
|
Loan on purchase price only: no tax.
Household goods insurance required. Requires UCC-1 form. |
| Term |
Rate as Low as: (APR¹) |
| 36 months |
9.00% |
Computer Loans
”View
| Term |
Rate as Low as: (APR¹) |
|
36 months |
9.00% |
| Loan on purchase price only: no tax. Household goods insurance required. Requires UCC-1 form. |
Signature Loans - Up to $5,000.00
”View
| Term |
Rate as Low as: (APR¹) |
|
42 months |
9.00% |
| One Time Pay- 90 day maximum term |
| Excluding MasterCard, the aggregate maximum unsecured amount per member is $7,000.00 |
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
”View
| Term |
Rate as Low as: (APR¹) |
| 24 months |
2.60% |
| 36 months |
2.60% |
| 48 months |
2.75% |
| 60 months |
3.00% |
| 72 months |
3.50% |
|
84 months |
4.50% |
|
120 months |
5.30% |
| ¹Annual Percentage Rate |
Real Estate Loans - 80% of appraised value or 90% of purchase price, which ever is lower
”View
| Term |
Rate as Low as: (APR¹) |
| Less than $30K -10 years/120 months |
5.90% |
| Over $30K -15 years/180 months |
4.90% |
| Not eligible for checking account discount |
Home Equity Loans
”View
- 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
| Term |
Rate as Low as (APR¹) |
|
Up to 60 months |
4.90% |
|
61 to 84 months |
5.25% |
|
85 to 120 months |
5.90% |
Home Improvement Loans
”View
| Term |
Rate as Low as: (APR¹) |
| 10 years/120 months |
5.90% |
- Must have 1st mortgage financed with H&H
- 80% of appraised value minus the balance of 1st mortgage
- Not eligible for checking account discount
All Other Loans
”View Up to 36-month term as low as 9.00% annual percentage rate
MasterCard
”View No annual fee. 9.9 annual percentage rate. No interest charged if paid in full within the 25 – day grace period. Six month employment required. MasterCard Application Not eligible for checking account discount.
Example of Repayment Terms
”View New Car Payment Terms:
| Number of Periods: 48 Months |
| Number of Payments: 48 Monthly |
| Effective annual percentage rate: 2.65% |
| Amount Financed: $1,000.00 |
| Payment Amount: $21.98 |
| With a Final Payment of : $21.90 |
Approximate:
| Total Finance Charges: $54.96 |
| Total of Payments: $1,054.96 |
