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Share/Savings Accounts

Share Accounts


Regular,Christmas,Vacation,Special *0.15% Div. Rate *0.15% APY *
 Dividend /APY effective September 30, 2020

Share Certificate Accounts

effective September 16, 2020


6 month Certificate  0.50% Div. Rate  0.50% APY *
          $500 min. required
1 year Certificate  0.65% Div. Rate  0.65105% APY *
          $500 min. required
2 year Certificate  0.75% Div. Rate  0.75140% APY *
          $500 min. required
3 year Certificate  0.75% Div. Rate  0.75140% APY *
          $500 min required

Loan Accounts

Vehicle Loans
New Vehicle Loans
up to 60 months 2.99%-9.00%
up to 84 months 3.75%-10.00%

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

                                                                *some restrictions may apply

Used Vehicle Loans
*up to 72 months depending on vehicle year 3.99%-10.00% 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 03/16/2020 3.25% up to 60  months
3.50% up to 120 months
3.75% 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 6.00%-11..00% *rate based on members FICO score at application
Fall Break Loan Special   Sept 21st – Oct 7th, 2020  up to $1,500.00 for 12 months with a rate as low as 4.50% *rate based o members FICO score at application
 Some restrictions may apply.

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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