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 Rates Effective: 06-26-2017

Click Here to See Current Loan Specials!

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.

  CLICK HERE FOR AUTO SHOPPING SERVICE

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Term  Rate as Low as: (APR¹)
36 months 2.70%
48 months 2.85%
60 months 3.10%
 72 months* 3.55%
  84 months** 4.55%

  *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

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Term  Rate as Low as: (APR¹)
36 months  2.70
48 months 2.85%
60 months 3.10%
  72 months** 3.55%

  **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

2.70%

48 months

2.85%

60 months

3.10%

72 months

3.55%

84 months

4.55%

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

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Term  Rate as Low as: (APR¹)

36 months

2.70%

48 months

2.85%

60 months 3.10%

72 months*

3.55%

84 months*

4.55%

  *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 2.70%
48 months 2.85%

            60 months

3.10%

 72 months*

3.55%

  84 months**

4.55%

  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 2.70%
48 months 2.85%
60 months 3.10%
 72 months* 3.55%

  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

9.00%

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 9.00%

Computer Loans

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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

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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

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Term  Rate as Low as: (APR¹)
24 months 2.70%
36 months 2.70%
48 months 2.85%
60 months 3.10%
72 months 3.55%
84 months 4.55%
 120 months 5.40%
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 6.00%
Over $30K -15 years/180 months 5.00%
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

5.00%

       61 to 84 months

5.35%

       85 to 120 months

6.00%

Home Improvement Loans

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Term  Rate as Low as: (APR¹)
10 years/120 months 6.00%
  • 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

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Up to 36-month term as low as 9.00% annual percentage rate

MasterCard

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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

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New Car Payment Terms:

Number of Periods:  48 Months
Number of Payments:  48 Monthly
Effective annual percentage rate:  2.85%
Amount Financed:  $1,000.00
Payment Amount:  $22.07
With a Final Payment of :  $22.02

   Approximate:

Total Finance Charges:  $59.31
Total of Payments:  $1,059.31