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APYs and rates are accurate as of April 30, 2008 and are subject to change without notice.
The Annual Percentage Rates, corresponding daily periodic rates and amount and due date of payments for each
loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will
be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that
may be imposed are also shown below (i.e., late charges, filing fees, collection costs).
NOTE: Quoted Rates for Loans reduced 1/4% (.25%) for each that apply: 1) Automatic Payments From Checking
Account, 2) Payroll Direct Deposit to Credit Union's Checking Account, 3) Have a HCCU Visa account, and
4) Debit Card.
Also, you can benefit from our Credit Union's Incentive Based Lending Variables program. For more information,
please CLICK HERE. The following represent dividend rates and Average Percentage Yields (APY) for the share
deposit accounts in the Credit Union, first quarter, 2003.
The chart of tiered rates is for Personal Savings (Shared), Christmas Club and Promise Accounts.
The specified rate for each range of balances applies to a specific balance level, and the highest rate
the member has attained is paid on the full balance.
DUE TO THE RAPID CHANGE IN RATES, PLEASE CONTACT OUR OFFICE WITH ANY QUESTIONS ABOUT OUR RATES!
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Range of Balances
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Rate in %
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APY in %
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$500.00 - $2,000.00
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0.25
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0.27
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$2,000.01 - $10,000.00
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0.50
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0.52
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$10,000.01 - $100,000
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1.25
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1.27
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For all IRA balances
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1.75
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1.77
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HCCU LOANLINER ADDENDUM
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Loan Sub-Account Description
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Daily Periodic Rate in %
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Annual Percentage Rate in %
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W/ Full Discounts*
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Minimum Monthly Payment After Each Advance Per Each $100 Current Balance
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Deposit Secured
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0.015068
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5.25%
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2.25%
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$3.01
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| New Cars, Trucks & Recreational Vehicles |
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36 months, approx.
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0.016438
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6.00%
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3.00%
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$3.05
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48 months, approx.
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0.018056
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6.50%
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3.50%
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$2.38
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60 months, approx.
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0.018056
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6.50%
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3.50%
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$1.96
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| Used Cars, Trucks & Recreational Vehicles |
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1 year old models
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0.018493
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6.75%
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3.75%
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$2.39 (48 mos., approx)
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2 year old models
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0.019178
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7.00%
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4.00%
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$2.70 (42 mos., approx.)
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3 year old models
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0.019863
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7.25%
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4.25%
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$3.10 (36 mos., approx.)
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4 & 5 year old models
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0.024658
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9.00%
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6.00%
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$3.19 (36 mos., approx.)
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6 & 7 year old models
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0.033562
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12.25%
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9.25%
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$4.72 (24 mos., approx.)
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8 year & older models
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0.036301
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13.25%
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10.25%
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$4.77 (24 mos., approx.)
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| Lines-Of-Credit |
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Unsecured
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0.040278
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14.50%
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11.50%
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4% or payment of $20.00 whichever is greater.
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Personal Advances (Unsecured)
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0.040278
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14.50%
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11.50%
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4% or payment of $20.00 whichever is greater.
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| Educational Loans |
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Tuition, Fees & Computer Loans
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0.025342
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9.25%
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6.25%
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Disclosed on Advance Request Voucher at time of advance.
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| Classic/Antique Autos (Must Qualify) |
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24 months, approx
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0.030822
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11.25%
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8.25%
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$4.68
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36 months, approx
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0.031507
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11.50%
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8.50%
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$3.30
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48 months, approx
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0.032639
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11.75%
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9.25%
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$2.63
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Other Charges:
1) Filing Fees: You will be charged a lien-filing fee at the time of an advance if the Credit Union takes a
a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee
required by law or ordinance for the Credit Union to obtain a lien on your property. The amount of the filing
fee will be disclosed on the voucher.
2) Collection Costs: You promise to pay all costs of the collecting amount you owe under this agreement, including
court costs and reasonable attorney fees.
3) Late Charges: If you are 10 days or more late in making a payment, you may pay a late charge up to $15.00.
*NOTE: Quoted Rates for Loans reduced 1/4% (.25%) for each that apply: 1) Automatic Payments From Checking
Account, 2) Payroll Direct Deposit to Credit Union's Checking Account, 3) Have a HCCU Visa account, and
4) Debit Card.
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