At HealthCare United Federal Credit Union, affordable, convenient credit is one of the chief benefits of membership. Our Loan Department is staffed by professional loan officers who are committed to offering you the best rates, the fastest service and the most convenient selection of loan options you will find anywhere. Please call for full details on any loan and to discuss any of your borrowing needs.
| Personal Loans** | Term | APR* |
| Share Secured Loan | Call for terms | 4.50% |
| Vehicle Loans*** | Term | APR* |
| New Auto (100% Financing) | up to 60 Months | 5.00% - 13.50% |
| Used Auto (100% Financing) | up to 60 Months | 5.00% - 13.50% |
| New & Used Recreational Vehicles (100% Financing) | up to 60 Months | 5.00% - 13.50% |
| Motorcycle (100% Financing) | up to 60 Months | 5.00% - 13.50% |
| Mortgage Loans**** | Term | APR* |
| First Mortgage Loans | Call for terms | Call for rates |
| Other Loan Programs | Term | APR* |
| Closed End Home Equity | 60 - 180 Months | 8.25% |
| Home Improvement | up to 60 Months | 8.00% - 13.00% |
| Closed End Personal*** | up to 60 Months | 8.00% - 13.00% |
| Bill Consolidation | up to 60 Months | 8.00% - 13.00% |
|
* APR = Annual Percentage Rate.
** 3% over highest paid share savings rate. *** Risk Based: The APR you receive will be within the range disclosed above and is based on your credit worthiness. **** Call 1-(888)-578-4747 for Mortgage Loan rate and term information. |
Collection Costs
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
Late Charges
A late fee of twenty percent (20%) of interest due with a minimum of five dollars ($5.00) and a maximum of one hundred dollars ($100) will be assessed on borrowers delinquent 15 days or more.
Filing Fees
You will be charged a lien filing fee at the time of the advance if the credit union takes a security of interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.
Application Fee
$5.00 per application for all loans.
