Loan Rates
Current Prime Rate is 3.25% effective 12/16/2008 as published in the Wall Street Journal |
Annual Percentage Rates(APR) and yields effective as of
December 21st, 2009 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% APR § | |
| VISA® Classic Rewards Card (No Annual Fee) |
Revolving (25-day grace period) | 14.40% APR § | |
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 Add .50% for each 10,000 miles (or fraction of 10,000) over 100,000 miles up to a 2% maximum |
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Model Year |
Term |
Annual Percentage Rate | Estimated Monthly Payments Per $1,000 Borrowed** |
| 2007/2008/2009/2010 | 1 to 60 months | as low as 5.40% | $19.06 |
| 2007/2008/2009/2010 | 61 to 66 months | as low as 5.75% | $17.72 |
| 2007/2008/2009/2010 | 67 to 72 months | as low as 5.75% | $16.46 |
| 2007/2008/2009/2010 | 73 to 84 months* | as low as 6.85% | $15.03 |
| 2006 | 1 to 60 months | as low as 5.75% | $19.22 |
| 2006 | 61 to 66 months | as low as 6.20% | $17.93 |
| 2006 | 67 to 72 months | as low as 6.50% | $16.82 |
| 2006 | 73 to 84 months | as low as 7.75% | $15.47 |
| 2005 | 1 to 60 months | as low as 6.20% | $19.43 |
| 2005 | 61 to 66 months | as low as 6.70% | $18.16 |
| 2005 | 67 to 72 months | as low as 7.25% | $17.18 |
| 2005 | 73 to 84 months* | as low as 7.75% | $15.47 |
| 2004 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2004 | 61 to 66 months | as low as 8.00% | $18.78 |
| 2004 | 67 to 72 months | as low as 8.25% | $17.66 |
| 2003 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2003 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2003 | 67 to 72 months | as low as 8.70% | $17.88 |
| 2002 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2002 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2002 | 67 to 72 months | as low as 8.75% | $17.91 |
| 2001 or older | 1 to 60 months | as low as 6.70% | $19.67 |
| 2001 or older | 61 to 66 months | as low as 8.25% | $18.91 |
| 2001 or older | 67 to 72 months | as low as 8.75% | $17.91 |
| Traditional Watercraft Loan Rates |
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Model Year |
Term |
Annual Percentage Rate | Estimated Monthly Payments Per $1,000 Borrowed** |
| 2007/2008/2009/2010 | 1 to 60 months | as low as 5.40% | $19.06 |
| 2007/2008/2009/2010 | 61 to 66 months | as low as 5.75% | $17.72 |
| 2007/2008/2009/2010 | 67 to 72 months | as low as 5.75% | $16.46 |
| 2007/2008/2009/2010 | 73 to 84 months* | as low as 6.85% | $15.03 |
| 2007/2008/2009/2010 | 85 to 96 months* | as low as 7.50% | $13.89 |
| 2007/2008/2009/2010 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2006 | 1 to 60 months | as low as 5.75% | $19.22 |
| 2006 | 61 to 66 months | as low as 6.20% | $17.93 |
| 2006 | 67 to 72 months | as low as 6.50% | $16.82 |
| 2006 | 73 to 84 months | as low as 7.75% | $15.47 |
| 2006 | 85 to 96 months | as low as 7.75% | $14.02 |
| 2006 | 97 to 120 months | as low as 8.50% | $12.41 |
| 2005 | 1 to 60 months | as low as 6.20% | $19.43 |
| 2005 | 61 to 66 months | as low as 6.70% | $18.16 |
| 2005 | 67 to 72 months | as low as 7.25% | $17.18 |
| 2005 | 73 to 84 months* | as low as 7.75% | $15.47 |
| 2005 | 85 to 96 months* | as low as 8.00% | $14.14 |
| 2005 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2004 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2004 | 61 to 66 months | as low as 8.00% | $18.79 |
| 2004 | 67 to 72 months | as low as 8.25% | $17.66 |
| 2003 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2003 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2003 | 67 to 72 months | as low as 8.70% | $17.89 |
| 2002 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2002 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2002 | 67 to 72 months | as low as 8.75% | $17.91 |
| 2001 or older | 1 to 60 months | as low as 6.70% | $19.67 |
| 2001 or older | 61 to 66 months | as low as 8.25% | $18.91 |
| 2001 or older | 67 to 72 months | as low as 8.75% | $17.91 |
| Traditional Motorcycle Loan Rates |
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Model Year |
Term |
Annual Percentage Rate | Estimated Monthly Payments Per $1,000 Borrowed** |
| 2007/2008/2009/2010 | 1 to 60 months | as low as 5.40% | $19.06 |
| 2007/2008/2009/2010 | 61 to 66 months | as low as 5.75% | $17.72 |
| 2007/2008/2009/2010 | 67 to 72 months | as low as 5.75% | $16.46 |
| 2006 | 1 to 60 months | as low as 5.75% | $19.22 |
| 2006 | 61 to 66 months | as low as 6.20% | $17.93 |
| 2006 | 67 to 72 months | as low as 6.50% | $16.82 |
| 2005 | 1 to 60 months | as low as 6.20% | $19.43 |
| 2005 | 61 to 66 months | as low as 6.70% | $18.16 |
| 2005 | 67 to 72 months | as low as 7.25% | $17.18 |
| 2004 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2004 | 61 to 66 months | as low as 8.00% | $18.79 |
| 2004 | 67 to 72 months | as low as 8.25% | $17.66 |
| 2003 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2003 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2003 | 67 to 72 months | as low as 8.70% | $17.89 |
| 2002 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2002 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2002 | 67 to 72 months | as low as 8.75% | $17.91 |
| 2001 or older | 1 to 60 months | as low as 6.70% | $19.67 |
| 2001 or older | 61 to 66 months | as low as 8.25% | $18.91 |
| 2001 or older | 67 to 72 months | as low as 8.75% | $17.91 |
| Traditional Recreational Vehicle Loan Rates |
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Model Year |
Term |
Annual Percentage Rate | Estimated Monthly Payments Per $1,000 Borrowed** |
| 2007/2008/2009/2010 | 1 to 60 months | as low as 5.40% | $19.06 |
| 2007/2008/2009/2010 | 61 to 66 months | as low as 5.75% | $17.72 |
| 2007/2008/2009/2010 | 67 to 72 months | as low as 5.75% | $16.46 |
| 2007/2008/2009/2010 | 73 to 84 months* | as low as 6.85% | $15.03 |
| 2007/2008/2009/2010 | 85 to 96 months* | as low as 7.50% | $13.89 |
| 2007/2008/2009/2010 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2006 | 1 to 60 months | as low as 5.75% | $19.22 |
| 2006 | 61 to 66 months | as low as 6.20% | $17.93 |
| 2006 | 67 to 72 months | as low as 6.50% | $16.82 |
| 2006 | 73 to 84 months | as low as 7.75% | $15.47 |
| 2006 | 85 to 96 months | as low as 7.75% | $14.02 |
| 2006 | 97 to 120 months | as low as 8.50% | $12.41 |
| 2005 | 1 to 60 months | as low as 6.20% | $19.43 |
| 2005 | 61 to 66 months | as low as 6.70% | $18.16 |
| 2005 | 67 to 72 months | as low as 7.25% | $17.18 |
| 2005 | 73 to 84 months* | as low as 7.75% | $15.47 |
| 2005 | 85 to 96 months* | as low as 8.00% | $14.14 |
| 2005 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2004 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2004 | 61 to 66 months | as low as 8.00% | $18.79 |
| 2004 | 67 to 72 months | as low as 8.25% | $17.66 |
| 2003 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2003 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2003 | 67 to 72 months | as low as 8.70% | $17.89 |
| 2002 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2002 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2002 | 67 to 72 months | as low as 8.75% | $17.91 |
| 2001 or older | 1 to 60 months | as low as 6.70% | $19.67 |
| 2001 or older | 61 to 66 months | as low as 8.25% | $18.91 |
| 2001 or older | 67 to 72 months | as low as 8.75% | $17.91 |
| Traditional Other Secured Loan Rates |
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Model Year |
Term |
Annual Percentage Rate | Estimated Monthly Payments Per $1,000 Borrowed** |
| 2007/2008/2009/2010 | 1 to 60 months | as low as 5.40% | $19.06 |
| 2007/2008/2009/2010 | 61 to 66 months | as low as 5.75% | $17.72 |
| 2007/2008/2009/2010 | 67 to 72 months | as low as 5.75% | $16.46 |
| 2007/2008/2009/2010 | 73 to 84 months* | as low as 6.85% | $15.03 |
| 2007/2008/2009/2010 | 85 to 96 months* | as low as 7.50% | $13.89 |
| 2007/2008/2009/2010 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2006 | 1 to 60 months | as low as 5.75% | $19.22 |
| 2006 | 61 to 66 months | as low as 6.20% | $17.93 |
| 2006 | 67 to 72 months | as low as 6.50% | $16.82 |
| 2006 | 73 to 84 months | as low as 7.75% | $15.47 |
| 2006 | 85 to 96 months | as low as 7.75% | $14.02 |
| 2006 | 97 to 120 months | as low as 8.50% | $12.41 |
| 2005 | 1 to 60 months | as low as 6.20% | $19.43 |
| 2005 | 61 to 66 months | as low as 6.70% | $18.16 |
| 2005 | 67 to 72 months | as low as 7.25% | $17.18 |
| 2005 | 73 to 84 months* | as low as 7.75% | $15.47 |
| 2005 | 85 to 96 months* | as low as 8.00% | $14.14 |
| 2005 | 97 to 120 months* | as low as 8.50% | $12.41 |
| 2004 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2004 | 61 to 66 months | as low as 8.00% | $18.79 |
| 2004 | 67 to 72 months | as low as 8.25% | $17.66 |
| 2003 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2003 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2003 | 67 to 72 months | as low as 8.70% | $17.89 |
| 2002 | 1 to 60 months | as low as 6.70% | $19.67 |
| 2002 | 61 to 66 months | as low as 8.20% | $18.88 |
| 2002 | 67 to 72 months | as low as 8.75% | $17.91 |
| 2001 or older | 1 to 60 months | as low as 6.70% | $19.67 |
| 2001 or older | 61 to 66 months | as low as 8.25% | $18.91 |
| 2001 or older | 67 to 72 months | as low as 8.75% | $17.91 |
| 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 7.50% | $20.04 |
| Line of Credit |
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| Up to $10,000 | 15.00% | 3% of 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 5.70% | $19.20 | |
| 61 to 120 months | as low as 6.00% | $11.11 | |
| 121 to 180 months | as low as 6.50% | $8.72 | |
| Fixed Rate Home Equity (80.01% to 100% loan to value) |
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| 1 to 60 months | as low as 7.00% | $19.81 | |
| 61 to 120 months | as low as 7.50% | $11.88 | |
| 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. Apply online and save $40 in processing costs on all comsumer loans. A fee of $40 charged for all loan modifications. Contact us for more details.
Equal Housing Lender