Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
NCUA
National Credit Union Administration, a U.S. Government Agency
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| Share/Savings Accounts | | | | | Share Accounts | |
| | Regular,Christmas,Vacation,Special | *0.75% Div. Rate | *0.75% APY * | | *Dividend /APY effective March 31, 2010 | | | | | Share Certificate Accounts | |
| | 6 month Certificate | 1.00% Div. Rate | 1.00% APY * | | $500 min. required | | 1 year Certificate | 1.25% Div. Rate | 1.26% APY * | | $500 min. required | | 2 year Certificate | 1.50% Div. Rate | 1.51% APY * | | $500 min. required | | 3 year Certificate | 1.75% Div. Rate | 1.76% APY * | | $500 min. required | | |
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| Loan Accounts | | | | | Unsecured Loans (Signature) | |
| | Signature and Lines of Credit | 7.00%-14.00% APR | | | | | | Vehicle Loans | |
| | New Vehicle | 2.99%-12.00% APR | to 48 months and 49 to 72 months | | 100% financing- rate based on term/credit score | | Used Vehicle | 4.75%-12.75% APR | up to 60 months depending on rate and vehicle year | | Will lend up to 100% NADA value on used vehicles | | | | | Home Equity Loans | |
| | Variable Line of Credit | 3.25% APR | up to 120 months/based on loan balance | | *rate based on current prime rate at application. | | Fixed Rate | 4.25-4.75% APR | 4.25% for up to 60 mos./ 4.75% for up to 120 mos. | | *rate based on current prime rate at application. | | |
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| Fees & Disclosures | | | | | Deposit Account Fees | |
| | NSF Check charge | $20.00 | | Stop Payment on HCTFUC | $20.00 | | Certified Checks | $1.00 | | NSF Check (eff. 6/22/09) | $20.00 | | Negative Acct Fee (eff 6/22/09) | $20.00 | | Stop Payment Fee (eff 7/22/09) | $20.00 | | | | | Loan Account Fees | |
| | One Time Application Fee | $10.00 | | Loan Late Fee (eff. 7/22/09) | $20.00 | | | | | Miscellaneous Fees | |
| | Visa Travel Money Cards-reloadable | $2.00 per card | | Visa Gift Cards | $2.00 per card | | |
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