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Share/Savings Accounts

Share Accounts


Regular,Christmas,Vacation,Special *0.15% Div. Rate *0.15% APY *
*Dividend /APY effective  December 31, 2018

Share Certificate Accounts

effective 9/14/2018


6 month Certificate  1.00% Div. Rate  1.002% APY *
          $500 min. required
1 year Certificate  1.25% Div. Rate  1.254% APY *
          $500 min. required
2 year Certificate  1.50% Div. Rate  1.506% APY *
          $500 min. required
3 year Certificate  1.75% Div. Rate  1.758% APY *
          $500 min required

Loan Accounts

Vehicle Loans
New Vehicle Loans
up to 60 months 3.00%-11.50%
72 months+ 3.50%-12.00%

100% financing – rate based on credit score and term of loan.

                                                                *some restrictions may apply

Used Vehicle Loans
up to 60 months depending on vehicle year 4.00%-12.75% APR
Will lend up to 100% NADA value on used vehicles

*rate based on applicants credit score- some restrictions may apply.

New or Used Rec. Vehicle – add 0.50% to New or Used Vehicle Rates
New or Used Farm Equipment – add 1.0% to New or Used Vehicle Rates
Home Equity Loans
*effective 09/27/2018 5.25% up to 60  months
5.50% up to 120 months
5.75% up to 180 months
* rate based on Federal Prime Interest Rate and term at the time of application.

Some restrictions apply. Contact our office for details.

Personal Loans
Personal Signature Loans 7.00%-14.00% *rate based on members FICO score at application
Holiday Loan Special 5.7% – 12.50%  thru Dec 14,2018 *rate based on members FICO
 score at application

Fees & Disclosures

Deposit Account Fees
NSF Check charge (effective 11/01/2014) $25.00
Stop Payment on HCTFCU (effective 11/01/2014) $25.00
Certified Checks $1.00
Negative Account Fee (effective 11/01/2014) $25.00
Stop Payment Fee (effective 11/01/2014) $25.00
Once Monthly Debit Card Usage Fee $2.00
Loan Account Fees
Loan Late Fee (effective 11/01/2014) $30.00
To refinance an existing loan with us $50.00
Refinance existing HE Loan w/us with remaining term of less than 5 years $100.00
Refinance existing HE Loan w/us with a remaining term of 6 to 15 years $150.00
Miscellaneous Fees
Visa Travel Money Cards – Reloadable $2.00 per card
Visa Gift Cards $2.00 per card

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