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Our Rates

Whether saving or borrowing, our great rates will get you started and keep you smiling.

Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history. All loans are subject to application and processing fees. Share and savings rates are disclosed as Annual Percentage Yield (APY). Stop by one of our offices for current rates and details.

 

Loan Rates – Effective SEPTEMBER 22, 2022

 

Loan Type Rate Range APR*
Consumer Secured 6.25% – 13.00%
Share Secured 2% above, varies with share
Consumer Unsecured 10.25% – 17.50%
Overdraft Protection 18.25% 5 year expiration
Residential – 1st Mortgage 6.54% 15 year fixed with 15 year term
Residential – 1st Mortgage 6.74% – 7.14% 20/25/30 year amortization; 15 year fixed rate with balloon payment
Residential – 1st Mortgage 6.14% – 6.89% 15/20/25/30 year amortization: 5 year fixed rate with balloon payment
Residential – 2nd Mortgage 7.14% 10 year term; maximum LTV 90%
HELOC 6.64% 5 year term; maximum LTV 90%
Business & Ag Real Estate 5.84% – 7.84% variable annually on anniversary
Business & Ag Real Estate 5.64% – 7.64% 5 yr. fixed with Balloon payment
Business & Ag Operating 6.25% – 8.25% 1 year term
Ag & Business Chattels 7.00% – 10.00% variable annually on anniversary
Investment Property 6.39% – 6.89% 10/15/20 year amortization;
5 year fixed rate with balloon payment

 

*APR – Annual Percentage Rate. Above interest rates may vary by the term of the loan as well as applicant’s credit worthiness.
Business, Ag and RE loans are subject to change annually during the term of the loan.

 


 

Share Savings Account Rates – EFFECTIVE SEPTEMBER 1, 2022

 

Account Rate APY** Minimum Balance
Share Savings (S1) 0.20% 0.20% >$5.00
Super Share Savings (S2) 0.20% 0.20% <$1,000.00
0.25% 0.25% $1,000.00 – $9,999.99
0.30% 0.30% $10,000.00 – $49,999.99
0.35% 0.35% $50,000.00 – $99,999.99
0.40% 0.40% >$100,000.00
Youth Share Savings (S3) 0.50% 0.50% ages 21 and under only
(ages 21 yrs. & younger)
Christmas Club (S5) 0.50% 0.50% $5,000 maximum
automatically transfers into S1 account on November 1st
IRA – Traditional (S7) 1.35% 1.35%
IRA – Roth (S8) 1.35% 1.35%
HSA Draft (S70) 0.30% 0.30%
Share Draft (S80) 0.00% 0.00% $0 – $5.00
0.10% 0.10% $199.99+

 

**Share Savings interest rates are declared at the start of each month. They are based on the cooperative’s earnings and apply to the dividends that are paid for the current month.

 


 

Certificate of Deposit – EFFECTIVE SEPTEMBER 1, 2022

Account Rate Apy***  Minimum Early Withdrawal Penalty
3 months 0.50% 0.50%  $1,000.00 90 days dividends
6 months 0.60% 0.60% $1,000.00 90 days dividends
SPECIAL 9 months 1.00% 1.01% $1,000.00 90 days dividends
12 months 0.80% 0.80% $1,000.00 90 days dividends
SPECIAL 12 month Youth (ages 21 yrs & younger) 1.25% 1.26%  $500.00 90 days dividends
15 months 0.90% 0.90%  $1,000.00 182 days dividends
18 months 1.00% 1.01% $1,000.00 182 days dividends
21 months 1.21% 1.22%  $1,000.00 182 days dividends
24 months 1.24% 1.25%  $1,000.00 182 days dividends
27 months 1.27% 1.28%  $1,000.00 182 days dividends
SPECIAL 30 months 1.50% 1.51%  $1,000.00 182 days dividends
33 months 1.33% 1.34%  $1,000.00 182 days dividends
36 months 1.36% 1.37%  $1,000.00 182 days dividends
39 months 1.39% 1.40%  $1,000.00 182 days dividends
42 months 1.42% 1.43% $1,000.00 365 days dividends
45 months 1.45% 1.46%  $1,000.00 365 days dividends
(Rising Rate – Average) 48 months 2.00% 2.01%  $1,000.00 365 days dividends
51 months 1.51% 1.52%  $1,000.00 365 days dividends
54 months   1.54% 1.55%  $1,000.00 365 days dividends
57 months 1.57% 1.58%  $1,000.00 365 days dividends
60 months 1.60% 1.61%  $1,000.00 365 days dividends
SPECIAL 65 months 2.65% 2.69%  $1,000.00 365 days dividends
72 months 1.72% 1.74%  $1,000.00 365 days dividends

 

***APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period. Certificate and IRA rates are fixed for the term of the instrument, unless otherwise disclosed. 

 All Deposits are federally insured by the NCUA up to at least $250,000. IRA funds are separately insured to $250,000.

 

Calculators

To help you to better manage your finances and day-to-day budgeting, we've provided several financial calculators. Take a few minutes to review your monthly spending needs. Next, see for yourself how putting away just a few dollars each month or paying a little bit extra on your credit card can really pay off for you. For your protection and ease of use, these calculators are designed to run locally on your PC.

Fee Schedule

Your account may be charged the listed fees.The following transaction limitations, if any, apply to your account.

Share Draft

Fee
Description
Amount
ATM Fee Non HCU Members $3.00
Clearing Fee a.k.a. Overdraft fee - charged when we pay a draft (check) or ACH (automatic clearing house) item that overdraws your account $20.00
Return Item a.k.a. NSF (non-sufficient funds) - charged when we return a draft or an ACH item as unpaid. $25.00
Transfer Fee assessed when funds are transferred automatically to cover an overdraft. NOTE: No fee is assessed if you initiate a transfer before your account is overdrawn $4.00
Stop Payment charged when a member instructs the Credit Union not to honor a specific draft or drafts $10.00
Wire Transfer charged when a member receives or sends funds electronically to another party $15.00 Domestic
$30.00 International
Collection Item fee charged for payment of a draft held by the Credit Union until funds are available for payment $5.00
Account Reconciliation fee charged for assistance by a Credit Union employee to a member for help in balancing their share draft account. $15.00/hour
$15.00 minimum

 

Other Fees

Membership Share Required minimum share balance $5.00
Loan Application Fee charged for processing loan application. Does not include extra processing costs such as UCC filing, vehicle title transfer, and real estate fees. $30.00
Loan Late Charge (1% of payment) Every type of Loan (RE, Ag,
Home Loan, Consumer)
$15.00 Minimum
$30.00 Maximum
New to HCU - Loan Extension Fee $15.00
Replace Debit Card If worn out - zero cost
Lost, stolen, or fraud
replacement
$10.00
Cashier Check (Member) If check is to disburse loan funds
no charge
$5.00
Cashier Check (Non-Member) $10.00
Check Cashing (Non-Member) Not On US Checks per approval
by Branch Manager
$5.00 < $200
$10.00: $200.01 - $1,000
Fax $2.00 First Page
$2.00 Each Add'l Page
Garnishments/Levy $25.00
Safe Deposit Box Key Replacement $20.00
Safe Deposit Box Drilling Charge Cost Incurred
Photo Copies $0.10