Moving into your home also moves you toward a revolving line of credit.
Get the competitive rates that give you the financial flexibility to handle nearly any expense.
Benefits You’ll Love
- Enjoy quick, local decision-making and processing
- Competitive rates that make spending when necessary stress-free
- Customizable repayment terms to meet unique needs
- Easily access and transfer funds in-person or by phone
- Turn the equity in your home into ongoing, affordable financing
- Competitive rates for several ongoing or seasonal needs
- Education expenses
- Major life events
- Home improvements
- Debt consolidation
- Emergency reserve
- And much more
- The existing equity in your home is used as collateral backing
- Accommodating repayment terms that work uniquely for you
- Unique features of a line of credit
- Funds available anytime without reapplying; apply once, then use repeatedly thereafter
- Revolving credit — as principal is repaid, more becomes available for use
- Funds easily available via in-person or phone transfers to a specified HNCU checking account
- The interest paid may be tax deductibleº
- Set up automatic payments to be deducted from your account monthly
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- What you should know about home equity lines of credit - View Brochure
•By using this HELOC Calculator you authorize the Credit Union to collect consumer data associated with your inquiry including but not limited to name, address, loan information, and projected CLTV. Calculator is not intended to provide actual loan details or tax advice. Calculator information is not an offer of credit. Credit qualifications, loan limits and other requirements apply.
ºConsult a tax advisor.
*Expires on 12/31/24. Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. *APR = Annual Percentage Rate. All loans require a completed loan application. Subject to credit qualifications. Borrower is responsible for closing costs. Contact HNCU for more information. Property insurance is required. Home Equity Line of Credit (HELOC) introductory rate of 5.49% is good for nine months from the date the line of credit is established. APR will vary after the nine-month period ends; maximum APR will range from 4.00% to 18.00% APR. ** The APR is based on the Prime Rate, as published in the **Wall Street Journal (WSJ), plus or minus 1.00% margin. Existing HNCU members with a Home Equity Line of Credit may be eligible for a nine-month promotional rate of 5.49% if a min. of $15,000.00 is added to the outstanding balance on the line of credit, if available. HNCU Membership Required. Equal Housing Opportunity. HNCU makes loans without regard to race, color, religion, national origin, sex, marital status, or age. NMLS #619227
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Cash Management Account
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.250% | 0.250% |
| $10,000.00 or greater | 0.500% | 0.500% |
No dividends will be earned on the days that the minimum balance falls below $2,500.
Club Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Holiday | No minimum balance | 0.050% | 0.050% |
| Vacation | No minimum balance | 0.050% | 0.050% |
| Summer | No minimum balance | 0.050% | 0.050% |
Home Equity Loan - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate Home Equity | 7.250% | 5-year |
| Fixed Rate Home Equity | 7.750% | 10-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 12/19/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For home equity line of credit terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on home equity line of credit rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Horizons Account
| Minimum Balance $25,000 | APY | Dividend Rate |
|---|---|---|
| $25,000 - $99,999.99 | 1.000% | 0.995% |
| $100,000+ | 2.000% | 1.982% |
$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.
Interest-Bearing Checking
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00- $2,499.99 | 0.050% | 0.050% |
| $2,500 or greater | 0.050% | 0.050% |
Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.
IRA Share Accounts
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $25 | 0.200% | 0.200% |
IRA Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 4.00% | 3.922% |
| 18 Month | 3.50% | 3.440% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 4.00% | 3.922% |
| 18 Month | 3.50% | 3.440% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 4.00% | 3.922% |
| 18 Month | 3.50% | 3.440% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 4.00% | 3.922% |
| 18 Month | 3.50% | 3.440% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
Kasasa Cash*
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 4.000% | 3.922% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Kasasa Saver‡
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 3.000% | 2.956% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Promotional Certificates
| Term | APY | Dividend Rate |
|---|---|---|
|
5.00% | 4.879% |
APY offered as of 11/29/24
The Credit Union may discontinue this offer at any time.
Second Mortgage - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate 2nd Mortgage | 7.250% | 5-year |
| Fixed Rate 2nd Mortgage | 7.750% | 10-year |
| Fixed Rate 2nd Mortgage | 8.250% | 15-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 11/13/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For a fixed rate 2nd mortgage terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.25% | 3.198% |
| 6 Month | 4.25% | 4.162% |
| 12 Month | 4.00% | 3.922% |
| 24 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.25% | 3.198% |
| 6 Month | 4.25% | 4.162% |
| 12 Month | 4.00% | 3.922% |
| 24 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.25% | 3.198% |
| 6 Month | 4.25% | 4.162% |
| 12 Month | 4.00% | 3.922% |
| 24 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.25% | 3.198% |
| 6 Month | 4.25% | 4.162% |
| 12 Month | 4.00% | 3.922% |
| 24 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Savings - Primary and Secondary
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00 - $1,999.99 | 0.050% | 0.050% |
| $2,000.00 - $4,999.99 | 0.050% | 0.050% |
| $5,000.00 - $19,999.99 | 0.050% | 0.050% |
| $20,000 or greater | 0.050% | 0.050% |
Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.
Vehicle Loans - Rates current as of December 2, 2024
| Loan Type | APR* | Term |
|---|---|---|
| Auto Loans - New, used and refi | As low as 5.990% | Up to 72 months |
| Recreational Vehicle - New and used | As low as 5.990% | Up to 120 months |
| Motorcycle - New, used and refi | As low as 6.990% | Up to 60 months |
*APR = Annual Percentage rate, 5.99% available on refinances from other institutions or new loans only. Subject to credit qualifications. HNCU makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.
For new car terms of 60 months estimated monthly payment of $773.15 per $40,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 5.99% APR. Rate assumes LTV of 125% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $25,000 and cannot be more than 2 years older than the current year, with FICO score of 760+..
Youth Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Polar Bear | No minimum balance | 0.050% | 0.050% |
| Teen Vision | No minimum balance | 0.050% | 0.050% |