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 ) |
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| 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: § If payment is late twice in a 12-month period, the APR will adjust to 18% on all balances and purchases for one year. |
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| Traditional Auto and Truck Loan Rates (Including Motor Homes, RV's, Campers, Boats & Motorcycles over $5,000) |
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| 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 |
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| 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 |
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| 1 to 48 months | as low as 7.25% | $24.06 | |
| Mobile Home (25% Down Payment Required) |
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| 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 |
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| Up to $25,000 | 1 to 60 months | as low as 8.50% | $20.52 |
| Share Secured |
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| Up to $99,999 | 1 to 120 months | share rate + 3.00% | |
| Certificate Secured |
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| Up to $99,999 | 1 to 60 months | certificate rate + 3.00% | |
| Other Secured (Ask about rates for other secured over $5,000) |
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| Up to $5,000 | 1 to 60 months | as low as 7.25% | $19.92 |
| Line of Credit |
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| Up to $10,000 | 15.00% | $3 per $100 balance |
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| Fixed Rate Home Equity (Up to 80% loan to value) |
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| 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) |
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| 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 |
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| 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 ) |
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| 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 |
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| 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.
Equal Housing Lender