Phone: (865) 558-3117    Toll Free: (800) 782-9257

Current Loan Rates
Rates Effective As of July 2014

Vehicle Loan Rates
Loan Account Type Term APR*
(As Low As)

New  & Used Auto/Boat/RV/Motor Home/Motorcycle

LIMITED OFFER...100% Financing!
(add .25% basis points if not 100% Financing or estatements or auto payments)


100% Financing (2015-2011 min loan amt= $20,000)
up to 36 months 1.90%

New  & Used Auto/Boat/RV/Motor Home/Motorcycle

LIMITED OFFER...100% Financing!
(add .25% basis points if not 100% Financing or estatements or auto payments


100% Financing (2015-2011) min loan amt= $20,000)
up to 60 months 1.95%

New  & Used Auto/Boat/RV/Motor Home/Motorcycle

LIMITED OFFER...100% Financing!   
(add .25% basis points if not 100% Financing or estatements or auto payments))


100% Financing (2015-2011 min loan amt= $20,000)
up to 72 months 1.99%
Used Auto/Boat/RV/Motor Home/Motorcycle (2010-2006) up to 60 months 3.25%
Used Auto/Boat/RV/Motor Home/Motorcycle (2005-older)

up to 48 months

4.00%
Antiques Autos 1 - 60 months 5.00%


*APR = Annual Percentage Rate. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Posted rates reflect enrollment in Automatic Payments and E-Statements. Rates increase 0.25% without Automatic Payments and E-Statements. Rates are subject to change without notice. Other restrictions may apply.  Gap Insurance is required for 100% financing. All terms and conditions are subject to change. Credit Life and Credit Disability Insurance are available for all loans. Term in months. Interest will continue to accrue during the 90 days with no payment. Rates are for Consumers ONLY. For Business rates please call for quotes. Questions call 1-800-782-9257. 

 

Mortgage Loan Rates
Mortgage Loan Type Term APR*
(As Low As)

Limited Offer: Home Equity Loans - LTV 80%
LIMITED OFFER-
(Pay closing cost or 3.99% with no closing cost)

60 1.99%

Limited Offer: Home Equity Loans - LTV 80%

120 3.25%

Home Equity Line of Credit (HELOC) Acces with Credit Card or Check

120 Prime Rate, Interest Monthly
Unimproved Property 120 9.50%


Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. You will be notified of the base rate for which you qualify when your loan request is approved. Floor rate for 5.00 APR. Posted rates reflect enrollment in Automatic Rates Effective: July 2014

Consumer Loan Rates
Loan Account Type Term APR*
(As Low As)
Secured Loans
Share Secured Loan 60 3.000%
Miscellaneous Secured 60 8.500%
Unsecured Loans
Platinum Preferred MasterCard n/a 10.990%
Unsecured/Signature 60 14.000%
LOC   18.000% 
LOC (HSA)   8.99%


Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is determined by your credit history. You will be notified of the base rate for which you qualify when your loan request is approved.  Some restrictions may apply. All terms and conditions are subject to change without notice. Posted rates reflect enrollment in Automatic Payments and E-Statments. Rates increase 0.25% without Automatic Payments & E-Statements. (Floor rate 4.50%) *Not applicable for current loans with HMFCU-NEW MONEY ONLY.

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