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Interest Rates

 

Loans over $10,000

Origination fee = $75

 
 

Secured/Title Loans

0-36 months

Secured/Title Loans

37-72 months

A+ credit rating (740+)2.50%*3.00%*
A credit rating (700-739)3.25%*3.50%*
B credit rating (650-699)4.50%*5.00%*
C credit rating (600-649)8.00%*8.50%*

Secured/Title Loans

0-36 months

A+ credit rating (740+)2.50%*
A credit rating (700-739)3.25%*
B credit rating (650-699)4.50%*
C credit rating (600-649)8.00%*

Secured/Title Loans

37-72 months

A+ credit rating (740+)3.00%*
A credit rating (700-739)3.50%*
B credit rating (650-699)5.00%*
C credit rating (600-649)8.50%*
 

Loans under $10,000

Origination fees

  • Less than $2,500 = 2% of loan amount
  • Between $2,500 and $10,000 = $50
 
 

Secured/Title Loans

0-36 months

Secured/Title Loans

37-72 months

A+ credit rating (740+)3.50%*3.75%*
A credit rating (700-739)4.00%*4.25%*
B credit rating (650-699)5.50%*6.00%*
C credit rating (600-649)9.00%*9.50%*

Secured/Title Loans

0-36 months

A+ credit rating (740+)3.50%*
A credit rating (700-739)4.00%*
B credit rating (650-699)5.50%*
C credit rating (600-649)9.00%*

Secured/Title Loans

37-72 months

A+ credit rating (740+)3.75%*
A credit rating (700-739)4.25%*
B credit rating (650-699)6.00%*
C credit rating (600-649)9.50%*
 

Secured/UCC Loans

 
 0-36 months37-72 months

A+ credit rating (740+)

5.00%*5.50%*
A credit rating (700-739)6.00%*6.50%*
B credit rating (650-699)8.00%*8.50%*
C credit rating (600-649)13.00%*13.50%*
0-36 months

A+ credit rating (740+)

5.00%*
A credit rating (700-739)6.00%*
B credit rating (650-699)8.00%*
C credit rating (600-649)13.00%*
37-72 months

A+ credit rating (740+)

5.50%*
A credit rating (700-739)6.50%*
B credit rating (650-699)8.50%*
C credit rating (600-649)13.50%*
 

Signature Loans

up to $2,500

 
 24-month term
A+ credit rating (740+)7.00%*
A credit rating (700-739)8.00%*
B credit rating (650-699)10.00%*
C credit rating (600-649)15.00%*
24-month term
A+ credit rating (740+)7.00%*
A credit rating (700-739)8.00%*
B credit rating (650-699)10.00%*
C credit rating (600-649)15.00%*
 

NOTICE: Interest rates listed are APR* (Annual Percentage Rate). All rates are subject to credit approval and are subject to change without notice. Rates apply to new HGECU loans and refinances from other financial institutions. Your rate will be determined by your credit performance and security offered. All considerations and qualifying factors will be reviewed.

 

IRAs, Savings, Checking and Money Market Rates

 
 RateAPY**
Savings0.200.20**
Checking0.200.20**

Money Market

($2,500-$24,999)

0.250.25**

Money Market

($25,000 & up)

0.500.50**
IRA0.750.75**
Rate
Savings0.20
Checking0.20

Money Market

($2,500-$24,999)

0.25

Money Market

($25,000 & up)

0.50
IRA0.75
APY**
Savings0.20**
Checking0.20**

Money Market

($2,500-$24,999)

0.25**

Money Market

($25,000 & up)

0.50**
IRA0.75**
 

IRA CD Rates

Deposit Amount: $500 to $999,999

 
 RateAPY**
36-month term1.601.61**
60-month term2.002.02**
Bump CD (60-month)2.002.02**
Rate
36-month term1.60
60-month term2.00
Bump CD (60-month)2.00
APY**
36-month term1.61**
60-month term2.02**
Bump CD (60-month)2.02**
 

CD Rates

 
 6-month CD12-month CD24-month CD36-month CD60-month CD & 60-month Bump CD
$250-$999

Rate: 0.75%

APY: 0.50%**

Rate: 1.00%

APY: 0.75%**

$1,000-$9,999

Rate: 0.75%

APY: 0.50%**

Rate: 1.00%

APY: 0.75%**

Rate: 1.20%

APY: 1.20%**

Rate: 1.60%

APY: 1.61%**

Rate: 1.50%

APY: 1.51%**

$10,000-$24,999

Rate: 0.75%

APY: 0.50%**

Rate: 1.00%

APY: 0.75%**

Rate: 1.20%

APY: 1.20%**

Rate: 1.60%

APY: 1.61%**

Rate: 1.75%

APY: 1.76%**

$25,000-$49,999

Rate: 0.75%

APY: 0.50%**

Rate: 1.00%

APY: 1.00%**

Rate: 1.25%

APY: 1.26%**

Rate: 1.60%

APY: 1.61%**

Rate: 2.00%

APY: 2.02%**

$50,000+

Rate: 0.75%

APY: 0.75%**

Rate: 1.25%

APY: 1.26%**

Rate: 1.50%

APY: 1.51%**

Rate: 1.75%

APY: 1.76%**

Rate: 2.25%

APY: 2.27%**

6-month CD
$250-$999

Rate: 0.75%

APY: 0.50%**

$1,000-$9,999

Rate: 0.75%

APY: 0.50%**

$10,000-$24,999

Rate: 0.75%

APY: 0.50%**

$25,000-$49,999

Rate: 0.75%

APY: 0.50%**

$50,000+

Rate: 0.75%

APY: 0.75%**

12-month CD
$250-$999

Rate: 1.00%

APY: 0.75%**

$1,000-$9,999

Rate: 1.00%

APY: 0.75%**

$10,000-$24,999

Rate: 1.00%

APY: 0.75%**

$25,000-$49,999

Rate: 1.00%

APY: 1.00%**

$50,000+

Rate: 1.25%

APY: 1.26%**

24-month CD
$250-$999
$1,000-$9,999

Rate: 1.20%

APY: 1.20%**

$10,000-$24,999

Rate: 1.20%

APY: 1.20%**

$25,000-$49,999

Rate: 1.25%

APY: 1.26%**

$50,000+

Rate: 1.50%

APY: 1.51%**

36-month CD
$250-$999
$1,000-$9,999

Rate: 1.60%

APY: 1.61%**

$10,000-$24,999

Rate: 1.60%

APY: 1.61%**

$25,000-$49,999

Rate: 1.60%

APY: 1.61%**

$50,000+

Rate: 1.75%

APY: 1.76%**

60-month CD & 60-month Bump CD
$250-$999
$1,000-$9,999

Rate: 1.50%

APY: 1.51%**

$10,000-$24,999

Rate: 1.75%

APY: 1.76%**

$25,000-$49,999

Rate: 2.00%

APY: 2.02%**

$50,000+

Rate: 2.25%

APY: 2.27%**

 

**APY = Annual Percentage Yield

Bump CDs are permitted one "bump" per calendar year to the current rate of a like term fixed rate CD. For additional info, contact us.

All rates subject to change without notice.

Early withdrawals on time deposits may incur penalty. For Truth in Savings disclosure, see Account Terms.

 
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