Rates Effective: 2/1/2019
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 Rates
| Term |
Rate as Low as: (APR¹) |
| 36 months |
3.55% |
| 48 months |
3.60% |
| 60 months |
3.85% |
| 72 months* |
4.15% |
| 84 months** |
5.15% |
*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(2008 -2017 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
View Rates
| Term |
Rate as Low as: (APR¹) |
| 36 months |
3.55% |
| 48 months |
3.60% |
| 60 months |
3.85% |
| 72 months** |
4.15% |
**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
View Rates
| Term |
Rate as Low as: (APR¹) |
|
36 months
|
3.55%
|
|
48 months
|
3.60%
|
|
60 months
|
3.85%
|
|
72 months
|
4.15%
|
|
84 months
|
5.15%
|
|
120 months*
|
5.95%
|
*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 Rates
| Term |
Rate as Low as: (APR¹) |
|
36 months
|
3.55%
|
|
48 months
|
3.60%
|
| 60 months |
3.85% |
|
72 months*
|
4.15%
|
|
84 months*
|
5.15%
|
*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 Rates
| Term |
Rate as Low as: (APR¹) |
| 36 months |
3.55% |
| 48 months |
3.60% |
|
60 months
|
3.85% |
|
72 months*
|
4.15% |
|
84 months**
|
5.15% |
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 Rates
| Term |
Rate as Low as: (APR¹) |
| 36 months |
3.55% |
| 48 months |
3.60% |
| 60 months |
3.85% |
| 72 months* |
4.15% |
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
|
11.00% |
Furniture Loans
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|
Loan on purchase price only: no tax.
Household goods insurance required. Requires UCC-1 form.
|
| Term |
Rate as Low as: (APR¹) |
| 36 months |
11.00% |
Computer Loans
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| Term |
Rate as Low as: (APR¹) |
|
36 months
|
11.00% |
| Loan on purchase price only: no tax. Household goods insurance required. Requires UCC-1 form. |
Signature Loans – Up to $5,000.00
View Rates
| Term |
Rate as Low as: (APR¹) |
|
42 months
|
11.00% |
| 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 Rates
| Term |
Rate as Low as: (APR¹) |
| 24 months |
3.55% |
| 36 months |
3.55% |
| 48 months |
3.60% |
| 60 months |
3.85% |
| 72 months |
4.15% |
| 84 months |
5.15% |
| 120 months |
5.95% |
| ¹Annual Percentage Rate |
Real Estate Loans – 80% of appraised value or 90% of purchase price, which ever is lower
View Rates
| Term |
Rate as Low as: (APR¹) |
| Less than $30K -10 years/120 months |
6.20% |
| Over $30K -15 years/180 months |
5.50% |
| Not eligible for checking account 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
| Term |
Rate as Low as (APR¹) |
|
Up to 60 months
|
5.25% |
|
61 to 84 months
|
5.40% |
|
85 to 120 months
|
6.20% |
Home Improvement Loans
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| Term |
Rate as Low as: (APR¹) |
| 10 years/120 months |
6.20% |
- 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 Rates Up to 36-month term as low as 11.00% annual percentage rate
MasterCard
View Rates 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 checking account discount.
Example of Repayment Terms
View Rates 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 |
