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Loan Rates
Current Prime Rate is 5.00% effective 4/30/2008
as published in the Wall Street Journal

Annual percentage rates and yields effective as of
March 27th, 2008 and are subject to change.


Credit Card (Click here for Disclosures )

VISA® Platinum Rewards Card (No Annual Fee) Revolving (25-day grace period) 7.99%§  
VISA® Classic Rewards Card (No Annual Fee) Revolving (25-day grace period) 14.40%§  

There may be costs associated with the use of a Heritage Federal Credit Union Visa Card. For more specific information about such costs, call us at (812) 853-7306. For long distance, call 1-800-858-1693. You may also write to us:
Heritage Federal Credit Union
Visa Dept.,
P.O. Box 189,
Newburgh, IN 47629-0189.

§ If payment is late twice in a 12-month period, the APR will adjust to 18% on all balances and purchases for one year.

  Traditional Auto and Truck Loan Rates
(Including Motor Homes, RV's, Campers, Boats & Motorcycles over $5,000)
Model Year Term Annual Percentage Rate Estimated Monthly Payments Per $1,000 Borrowed**
2007/2008 1 to 60 months as low as 5.25% $18.99
2007/2008 61 to 66 months as low as 5.60% $17.65
2007/2008 67 to 72 months as low as 5.65% $16.42
2007/2008 73 to 84 months* as low as 5.90% $14.57
2007/2008 85 to 96 months* as low as 7.50% $13.88
2007/2008 97 to 120 months* as low as 8.50% $12.40
2006 1 to 60 months as low as 5.25% $18.99
2006 61 to 66 months as low as 5.60% $17.65
2006 67 to 72 months as low as 5.75% $16.46
2006 73 to 84 months as low as 6.00% $14.62
2006 85 to 96 months as low as 8.00% $14.14
2006 97 to 120 months as low as 9.50% $12.94
2005 1 to 60 months as low as 5.50% $19.10
2005 61 to 66 months as low as 5.80% $17.74
2005 67 to 72 months as low as 6.00% $16.58
2005 73 to 84 months* as low as 6.99% $15.09
2005 85 to 96 months* as low as 8.75% $14.52
2005 97 to 120 months* as low as 10.25% $13.35
2004 1 to 60 months as low as 5.50% $19.10
2004 61 to 66 months as low as 6.30% $17.98
2004 67 to 72 months as low as 6.40% $16.77
2003 1 to 60 months as low as 5.90% $19.30
2003 61 to 66 months as low as 6.50% $18.07
2003 67 to 72 months as low as 7.00% $17.05
2002 1 to 60 months as low as 6.50% $19.58
2002 61 to 66 months as low as 7.80% $18.69
2002 67 to 72 months as low as 8.45% $17.76
2001 or older 1 to 60 months as low as 6.50% $19.57
2001 or older 61 to 66 months as low as 7.95% $18.76
2001 or older 67 to 72 months as low as 8.50% $17.78


Motor Homes, RV's, Campers, Boats and Jet Ski's under $5,000
2005/2006/2007/2008 1 to 48 months as low as 6.75% $23.83
2004 1 to 48 months as low as 7.00% $23.95
2003 1 to 48 months as low as 7.25% $24.06
2002 or older 1 to 48 months as low as 7.50% $24.18


Motorcycles and ATV's under $5,000
  1 to 48 months as low as 7.25% $24.06


Mobile Home (25% Down Payment Required)
New 1 to 120 months as low as 12.99% $14.93
Used 1 to 84 months as low as 12.99% $18.19


  Signature
 
Up to $25,000 1 to 60 months as low as 8.50% $20.52


  Share Secured
 
Up to $99,999 1 to 120 months share rate + 3.00%  


  Certificate Secured
 
Up to $99,999 1 to 60 months certificate rate + 3.00%  


  Other Secured
  (Ask about rates for other secured over $5,000)
Up to $5,000 1 to 60 months as low as 7.25% $19.92


  Line of Credit
 
Up to $10,000   15.00%

$3 per $100 balance
$15 minimum monthly payment



  Fixed Rate Home Equity
  (Up to 80% loan to value)
  1 to 60 months as low as 6.50% $19.57
  61 to 120 months as low as 7.00% $11.61
  121 to 180 months as low as 7.25% $9.13


  Fixed Rate Home Equity
  (80.01% to 100% loan to value)
  1 to 60 months as low as 7.50% $20.04
  61 to 120 months as low as 7.75% $12.01


  Home Improvement Loan
 
  1 to 60 months $7,500 Max as low as 5.99% $19.34


  Variable Rate Home Equity Line of Credit
  (Click here for Disclosures )
No closing costs on advances of $10,000 to $75,000   Available up to 100% LTV Ask for rates
Call us concerning any applicable home equity fees or closing costs.     Any HELOC rate changes will occur on the first of the month


  Uninsured Second
 
  1 to 60 months $10,000 Max as low as 7.99% $20.28


* Certain restrictions apply. Estimated monthly payment reflects minimum available APR and maximum available term.

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812-253-MYCU 1-800-858-1693 | hfcu@hfcu.info
©2006 Heritage Federal Credit Union, All Rights Reserved.
Serving Vanderburgh and Warrick County - Evansville, Newburgh and Boonville.


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This Credit Union is Federally-Insured by the National Credit Union Adminastration
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