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Loan Rates

As of April 1,  2014

Secured Loans
Type Annual Percentage Rate
Share Secured Share Rate + 3.00%*
Certificate Secured Certificate Rate + 3.00%
*Rates subject to change without notice.  Payment nor term will change if rate increases or decreases. 

 

Signature Loans
Type Annual Percentage Rate

Personal Loan
Terms up to 48 Months

As low as 7.50%*
Overdraft Protection
(Revolving)
15.00%

* Interest rate is based on an evaluation of applicant's credit. Your actual rate may vary.  Rates shown reflect a 0.25% discount for automatic loan repayment from your Hoya FCU checking account with direct deposit.  The minimum loan amount for a Signature/Personal loan is $500  and the maximum loan amount is $20,000.  Payments at 9.00% APR for 48 months are approximately $24.89 per month, per thousand dollars.     

New and Used Car Loans
Type and Length of Loan Amount Financed

Annual Percentage Rate

New Auto Fixed;
Up to 48 Months
100% of the price of the MSRP-New As low as 1.99%*
New Auto Fixed;
Up to 60 Months
100% of the price of the MSRP-New As low as 2.25%*

New Auto Fixed;
Up to 72 Months

100% of the price of the MSRP-New As low as 2.35%*
Used Auto Fixed; 
Up to 48 Months
2009 or newer
100% of the NADA Retail Value-Used As low as 2.60%*
Used Auto Fixed;
Up to 60 Months
2010 or newer (Minimum $20,000)
100% of the NADA Retail Value-Used As low as 2.60%*
Used Auto
up to 72 Months
2010 or newer (Minimum $30,000.00)
100% of the NADA Retail Value As low as 3.00%*
Used Auto
up to 42 Months
2008 Models
80% of the NADA Retail Value As low as 5.00%*
Used Auto
up to 36 Months
2007 Models
80% of the NADA Retail Value As low as 6.00%*
* Interest rate is based on an evaluation of applicant's credit. Your actual rate may vary. Rates shown reflect a 0.25% discount for automatic loan repayment from your Hoya FCU checking account with direct deposit. Other rates and terms are available.  Payments at 1.99% APR for 48 months are approximately $21.70 per thousand, per month.
Home Equity Loans
Term Financing Annual Percentage Rate
5 Years 80% LTV 4.50%
10 Years 80% LTV 5.25%
15 Years 80% LTV 6.00%
Home Equity Line of Credit (HELOC)                   Revolving 80% LTV 4.50%**

**HELOC Annual Percentage Rate (APR) is indexed to the Prime Rate as quoted in the Wall Street Journal and is set as of four days prior to the beginning of the new quarter.  The Prime Rate as of March 27, 2014 was 3.25%.  The minimum rate is 4.50% and the maximum rate is 18%.  All real estate loans require Homeowners Insurance.  Payments may change if the index changes.  Minimum loan amount for Home Equity Loan and HELOC is  $10,000 and the maximum loan amount is $150,000.

Mortgage Services
 Today's Mortgage Rates

Rates are subject to change without notice.