Rates

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.

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.

Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.

Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.

$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.

No dividends will be earned on the days that the minimum balance falls below $35,000.

No dividends will be earned on the days that the minimum balance falls below $2,500.

The minimum opening deposit for all share certificates is $500.

The minimum opening deposit for all share certificates is $500.

The minimum opening deposit for all share certificates is $500.

The minimum opening deposit for all share certificates is $500.

Minimum balance for IRA Share Certificates is $500.

Minimum balance for IRA Share Certificates is $500.

Minimum balance for IRA Share Certificates is $500.

Minimum balance for IRA Share Certificates is $500.

*APR = Annual Percentage rate, 5.49% 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 $763.86 per $40,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 5.49% 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+.

*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.