Mortgage and Consumer Loan Rates

Rates subject to change *
Last updated 02/03/12

APR = Annual Percentage Rate

New Auto / Motorcycle | Used Auto | Boat / RV / Used Motorcycle | Consumer Loans | First Mortgages | Second Mortgages | HELOC | Unimproved Land | VISA

* Rates are subject to change. Actual rates will be determined once a completed loan application has been received and reviewed. Rates can be higher or lower based on credit score, loan-to-value and loan purpose. For a loan calculator, click here.

First Mortgage Rates *

	Rate	Points	APR
5 Year Fixed	3.490	0	3.713
15 Year Fixed	3.125	0	3.205
15 Year Fixed	2.875	1	3.099
20 Year Fixed	3.750	0	3.813
20 Year Fixed	3.625	1	3.803
30 Year Fixed	3.875	0	3.921
30 Year Fixed	3.750	1	3.878
* Rates and APR quoted are for purchase of single family, owner occupied residence at price of $125,000 with 20% down payment and credit score > 740.

Second Mortgage Rates *

	Rate	Points	APR
Second Mortgage 80% LTV (up to 60 mos.)	5.500	0	5.500
Second Mortgage 80% LTV (61 to 84 mos.)	5.550	0	5.550
Second Mortgage 80% LTV (85 to 120 mos.)	5.600	0	5.600
Second Mortgage 80% LTV (121 to 180 mos.)	5.650	0	5.650
Second Mortgage 90% LTV (up to 60 mos.)	6.500	0	6.500
Second Mortgage 90% LTV (61 to 84 mos.)	6.550	0	6.550
Second Mortgage 90% LTV (85 to 120 mos.)	6.600	0	6.600
Second Mortgage 90% LTV (121 to 180 mos.)	6.665	0	6.665
* Rates quoted are for a loan amount of $30,000. Fees up to $500 paid by HHCU. Manufactured home rates are higher.

Variable Home Equity Line of Credit (HELOC) Rates *

	Rate	Points	APR
Home Equity - up to 80% of value (Prime+0)	3.250	0	3.250
Home Equity - 80.01% to 90% of value (Prime+1)	4.250	0	4.250
* Rates quoted are for a loan amount of $30,000. Fees up to $500 paid by HHCU. Manufactured home rates are higher.

Unimproved Land Loan Rates *

	Rate	Points	APR
5 Year Fixed Rate	7.500	0	7.734
7 Year Fixed Rate	8.000	0	8.174
10 Year Fixed Rate	9.000	0	9.131
15 Year Fixed Rate	9.875	0	9.973
* Rates and APR quoted are for purchase price of $62,500 with 20% down payment.

New Auto / Motorcycle*

* Rates May Vary Based On Credit Score	New Auto APR	New Motorcycle APR
36 months	4.24	4.39
48 months	4.49	4.54
60 months	4.74	4.89
66 months	4.79	4.94
72 months	5.24	6.24
84 months	6.49

Used Auto*

* Rates May Vary Based On Credit Score	2007 & Newer APR	2006 APR	2005 APR	2004 APR	2003 APR	2002 & Older APR
36 months	4.65	5.65	5.75	5.90	6.30	6.65
48 months	4.90	5.80	5.90	6.05	6.45	6.80
60 months	5.15	6.15	6.25	6.40	6.80	7.15
66 months	5.15	6.15	6.25	Add 1.5% for vehicles with 100k + miles (Maximum of 48 months)
72 months	5.65	6.25

Boat / RV / Used Motorcycle*

* Rates May Vary Based On Credit Score	2007 & Newer APR	2006 APR	2005 APR	2004 APR	2003 APR	2002 & Older APR
36 months	6.00	6.50	6.60	7.50	8.00	9.10
48 months	6.50	7.00	7.10	7.70	8.05	9.25
60 months	6.70	7.40	7.50	7.90	8.25	9.40
72 months	7.55	8.40	8.50	8.95	10.50	11.75
84 months	8.25	9.40	9.50	9.95	11.75	12.75

Consumer Loan Rates*

Loan Type	APR
Signature*	12.90
New Mobile Home*	13.50
Used Mobile Home*	13.75
Share Secured	4.50
CD Secured	2% + CD rate
Line of Credit	14.90
* The maximum APR that can be imposed is 21%.

VISA Credit Card Rates
with no annual fee

Card Type	APR	Balance Limit
VISA Classic	15.90	up to $5,000
VISA Gold	12.90	$5,000 - $10,000
VISA Platinum	9.90	$10,000 - $20,000

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