Rates
Loan & Credit Card Rates
| Model Year | Up to 48 Months | 49 to 60 Months | 61 to 72 Months | 73 to 84 Months | 85 to 96 Months | |
|---|---|---|---|---|---|---|
| 2024 – 2026 | as low as | 4.75% apr* | 4.75% apr* | 5.60% apr* | 6.10% apr* | 8.60% apr* |
| 2022 – 2023 | as low as | 6.10% apr* | 6.10% apr* | 6.35% apr* | 6.60% apr* | 9.35% apr* |
| 2019 – 2021 | as low as | 6.10% apr* | 6.10% apr* | 6.60% apr* | 6.85% apr* | 10.35% apr* |
| 2016 – 2018 | as low as | 6.85% apr* | 6.85% apr* | 7.35% apr* | 7.60% apr* | 11.35% apr* |
| Term | APR* |
|---|---|
| 0-5 Years | As low as 5.89% |
| 6-10 Years | As low as 6.14% |
| 11-15 Years | As low as 6.39% |
*APR = Annual Percentage Rate
| Term | APR* |
|---|---|
| 1-5 Years | As low as 5.99% |
| 6-10 Years | As low as 6.24% |
| 11-15 Years | As low as 6.49% |
*APR = Annual Percentage Rate
| APR* |
|---|
| As low as 6.75%* |
*APR = Annual Percentage Rate
**Based on Wall Street Journal Prime Rate
| Description | Term | APR* |
|---|---|---|
| Unsecured Signature Loans | Up to 60 Months | As low as 10.24% |
*APR = Annual Percentage Rate
| Description | APR* |
|---|---|
| Private Student Loan | As low as 8.50%** |
*APR = Annual Percentage Rate
| Description | APR* |
|---|---|
| HV Platinum VISA | As low as 10.90% |
*APR = Annual Percentage Rate
Checking, Savings & Certificate Rates
| Term | Minimum Balance | Rate | APY* |
|---|---|---|---|
| 6 Months | $500 | 3.20% | 3.25% |
| 12 Months | $500 | 3.49% | 3.55% |
| 18 Months | $500 | 3.30% | 3.35% |
| 24 Months | $500 | 2.77% | 2.80% |
| 30 Months | $500 | 2.57% | 2.60% |
| 36 Months | $500 | 2.57% | 2.60% |
| 48 Months | $500 | 2.57% | 2.60% |
| 60 Months | $500 | 2.62% | 2.65% |
*APY = Annual Percentage Yield.
IRA Certificates Require a Minimum Term of 12 Months
| Term | Minimum Balance | Rate | APY* |
|---|---|---|---|
| 6 Months | $10,000 | 3.25% | 3.30% |
| 12 Months | $10,000 | 3.54% | 3.60% |
| 18 Months | $10,000 | 3.35% | 3.40% |
| 24 Months | $10,000 | 2.82% | 2.86% |
| 30 Months | $10,000 | 2.62% | 2.65% |
| 36 Months | $10,000 | 2.62% | 2.65% |
| 48 Months | $10,000 | 2.62% | 2.65% |
| 60 Months | $10,000 | 2.67% | 2.70% |
*APY = Annual Percentage Yield. Substantial penalty for early withdrawal. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for the term stated. Dividend rates are subject to change without notice. Dividends are compounded monthly, except for the 90-day certificate, which compounds at maturity. Available for IRA Investments with a $250.00 minimum balance. Heritage Gold Rate applies to regular Certificates and Individual Retirement Account.
| Average Daily Balance | Rate | APY* |
|---|---|---|
| $2,500 to $24,999 | 0.85% | 0.85% |
| $25,000 to $49,999 | 1.14% | 1.15% |
| $50,000 to $99,999 | 1.39% | 1.40% |
| $100,000 and Up | 1.64% | 1.65% |
*APY = Annual Percentage Yield. Minimum balance to earn dividends is $2,500.00 in the above accounts. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.
| Rate | APY* |
|---|---|
| 0.05% | 0.05% |
*APY = Annual Percentage Yield. Minimum balance to earn dividends is $50.00 in the above accounts. Annual Percentage Yields are current and effective.Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.
| Rate | APY* |
|---|---|
| 0.05% | 0.05% |
*APY = Annual Percentage Yield. Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly. Health Savings accounts are subject to eligibility requirements. Please see a member service specialist for details.