Loan Rates

Mortgage Loan Rates

Type	APR	Term	Monthly Payment***
80% LTV 5 year fixed rate	5.000%	5 yr fixed	$18.87
90% LTV 5 year fixed rate	6.250%	5 yr fixed	$19.45
80% LTV 10 year fixed rate	5.250%	10 yr fixed	$10.73
90% LTV 10 year fixed rate	6.500%	10 yr fixed	$11.35
80% LTV 15 year fixed rate	5.500%	15 yr fixed	$8.17
90% LTV 15 year fixed rate	6.750%	15 yr fixed	$8.85
80% LTV 10 year balloon, 30 yr amortization	5.750%	10 yr fixed	$5.84
90% LTV 10 year balloon, 30 yr amortization	7.000%	10 yr fixed	$6.66

Longer amortization terms available - Click on Loan Products under the Services Tab for more information

Home Equity Line of Credit Rates

Based on the Wall Street Journal prime rate. APR is variable.	APR
Minimum Loan Amount $5,000.00 | Maximum Loan Amount $50,000.00	7.50%

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Effective 10/27/2025. Subject to change without notice
All loan rates stated are Annual Percentage Rates (APR)
Minimum loan requirements apply. Restrictions may apply
LTV = Loan to Value
***Monthly Payment based on payment per $1,000.00 for APR rate and term

New Autos & Used Autos 2025 - 2017*

APR	Term	Montly Payment***
4.00%	60 mo	$18.42
4.00%	72 mo	$15.65
5.35%	84 mo	$14.30

Used Auto 2016 & Older*

APR	Term	Monthly Payment***
5.35%	36 mo	$30.13
5.35%	48 mo	$23.19
5.99%	60 mo	$19.33

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Titled Vehicles Only | APR as low as

Effective 09/01/2025. Subject to change without notice

All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.

Loan terms and conditions are based on credit qualifications, relationship, and approval.  Rates, terms, and conditions are subject to change. 

*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer

***Monthly Payment based on payment per $1,000.00 for APR rate and term

RV, Boat & Motorcycle Loans 2025 - 2017*

APR	Term	Monthly Payment***
5.00%	48 mo	$23.03
5.00%	60 mo	$18.87
5.59%	84 mo	$14.42
6.25%	120 mo	$11.23

RV, Boat & Motorcycle Loans 2016 & Older*

APR	Term	Monthly Payment***
5.00%	36 mo	$29.97
5.75%	48 mo	$23.37

ATV, Snowmobiles, Other Secured Vehicle Loans (no title)*

Type	APR	Term	Monthly Payment***
2025 - 2017*	5.99%	48 mo	$23.48
2016 & Older*	6.99%	48 mo	$23.95

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Effective 09/01/2025. Subject to change without notice

All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.

Loan terms and conditions are based on credit qualifications, relationship, and approval.  Rates, terms, and conditions are subject to change. 

*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer

***Monthly Payment based on payment per $1,000.00 for APR rate and term

Unsecured Loan Rates*

Type	APR	Term	Monthly Payment***
Maximum Loan Amount $5,000.00*	9.50%	36 mo	$32.05
N/A	10.00%	60 mo	$21.25

Kwik Cash Loan Rates

Type	APR
Minimum Loan Amount $500.00 | Maximum Loan Amount $5,000.00	12.00%

Effective 09/01/2025. Subject to change without notice

All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.

Loan terms and conditions are based on credit qualifications, relationship, and approval.  Rates, terms, and conditions are subject to change. 

*Rate above includes a .50% deduction for automatic payments. Automatic Payments if repayment is set up with Direct Deposit, Automatic Transfer from an HFMCU savings or checking account, or Electronic Payment Transfer

***Monthly Payment based on payment per $1,000.00 for APR rate and term

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Ho Ho Holiday Loan Special

Type	APR	Term	Monthly Payment***
Minimum Loan Amount is $500.00	5.00%	12 months MAX	$85.59
Maximum Loan Amount is up to $3000.00	5.00	12 months MAX	$85.59

Effective 10/27/2025. Subject to change without notice. Offer expires 12/31/2025

All loan rates stated are Annual Percentage Rates (APR). Actual loan rate may vary based on credit score and other factors.

No other discounts apply, and refinancing of existing Holy Family Memorial Credit Union loans are not eligible.

Loan terms and conditions are based on credit qualifications, relationship, and approval.  Rates, terms, and conditions are subject to change.

***Monthly Payment based on payment per $1,000.00 for APR rate and term

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