Rates
When it comes to your finances, we know that every dollar counts. At Hometown Credit Union, we work hard to give you low loan rates and high dividend rates.
RATES & TERMS ARE SUBJECT TO CHANGE AT ANY TIME
Are your credit card rates too high? Check out our debt consolidation program! Our knowledgable staff will work with you to find the best rate.
Rate effective as of February 1, 2010
Savings Accounts
| Balance | Dividend Rate |
|---|---|
| $100 or less | No dividend paid |
| $100.01 or more | 0.50% |
| Christmas Club Accounts | 0.50% |
Savings Rate Bonuses (Applies to CDs and IRAs Not to Membership Shares)
| Bonus Criteria | Bonus Amount |
|---|---|
| RENEWING CERTIFICATE | 1/8TH OF 1% |
Regular CDs and IRA CDs (Be sure to check out the rate bonus chart above)
| Months | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| RENEWALS ONLY | |||
| 12 | CALL 228-2168 FOR | ||
| 24 | |||
| 36 | RATES & TERMS |
Loan Rate Discounts
| Discount Criteria | ||
|---|---|---|
| A (700+) | B (650-699) | |
| PREMIUM MEMBERS | 0.0125 | |
*Cannot combine membership discounts with other discounts
ALL LOAN APPLICANTS MUST MEET HCU UNDERWRITING POLICIES CALL FOR OPEN HOUSE SPECIALS 228-2168
New or used vehicles
| TERM 24 MONTHS TO 72 MONTHS |
| RATES ARE BETWEEN 4.25% AND 10.50% |
| RATE & TERM DEPENDS ON VEHICLE & YOUR TIERED SCORE |
USED VEHICLES (2008 OR OLDER) & HIGH MILEAGE VEHICLES ADD 1% RATES SUBJECT TO CHANGE AT ANY TIME |
New or Used motorcycles / boats /RVs
| TERM 24 MONTHS TO 48 MONTHS |
|
RATE & TERM DEPENDS ON THE AGE & CONDITION OF THE COLLATERAL BEING OFFERED RATES ARE BETWEEN 6.00% AND 10.25% COLLATERAL 3 YEARS OR OLDER ADD 1% RATES SUBJECT TO CHANGE AT ANY TIME. |
Single-pay and Signature Loans
| RATES ARE BETWEEN 10% AND 16% |
|---|
| TERM WILL BE ONE YEAR FOR EACH $1000 BORROWED--MAXIMUM 3 YEARS |
| HOME LOANS |
|---|
PLEASE CALL 217-228-2376 FOR MORTGAGE AND HOME IMPROVEMENT LOAN RATES
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