Rates
Share Rates
Effective : 3/25/2024
| Type | APR | APY |
|---|---|---|
| Primary Share ($30.00 minimum balance required) | 0.60% | 0.60% |
| Secondary Shares (No minimum balance required) | 0.60% | 0.60% |
| Christmas Club (Penalty may be imposed for early withdrawal) | 1.08% | 1.08% |
Shares: APY – (Annual Percentage Yield) is accurate as of the last dividend declaration date.
HSA Rates
Effective : 3/25/2024
| Type | APR | APY |
|---|---|---|
| HSA Share Draft | 0.60% | 0.60% |
Shares: APY – (Annual Percentage Yield) is accurate as of the last dividend declaration date.
Term Share Rates
| Type | APR | APY |
|---|---|---|
| 6 mo - $1,000.00 minimum | 4.25% | 4.32% |
| 12 mo - $1,000.00 minimum | 5.00% | 5.09% |
| 15 mo - $1,000.00 minimum | 4.75% | 4.84% |
| 18 mo - $1,000.00 minimum | 4.55% | 4.63% |
*APY is annual percentage yield. Rates quoted are in effect 3/25/2024 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.
Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity.
Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.
Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.
You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.
Mortgage Loan Rates
Longer amortization terms available - Click on Loan Products under the Services Tab for more information| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 80% LTV 5 year fixed rate | 5.25% | 5 yr fixed | $18.99 |
| 90% LTV 5 year fixed rate | 6.25% | 5 yr fixed | $19.45 |
| 80% LTV 10 year fixed rate | 5.875% | 10 yr fixed | $11.04 |
| 90% LTV 10 year fixed rate | 6.875% | 10 yr fixed | $11.55 |
| 80% LTV 15 year fixed rate | 6.00% | 15 yr fixed | $8.44 |
| 90% LTV 15 year fixed rate | 7.00% | 15 yr fixed | $8.99 |
| 80% LTV 10 year balloon, 30 yr amortization | 6.375% | 10 yr fixed | $6.24 |
| 90% LTV 10 year balloon, 30 yr amortization | 7.375% | 10 yr fixed | $6.91 |
| 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 | 8.50% |
Effective 3/25/2024. 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
Auto Loan Rates
Titled Vehicles Only | APR as low as
| Year | APR | Term | Monthly Payment*** |
|---|---|---|---|
| New Autos & Used Autos 2023 - 2015 | 5.90% | 60 mo | $19.29 |
| 5.90% | 72 mo | $16.53 | |
| 6.50% | 84 mo | $14.85 | |
| Older Used Auto 2014 & Older | 5.90% | 36 mo | $30.38 |
| 6.25% | 48 mo | $23.60 | |
| 6.40% | 60 mo | $19.52 |
Effective 3/25/2024. 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
RV, Boat & Motorcycle Loans
| Year | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 2023-2015 | 6.00% | 48 mo | $23.49 |
| 6.50% | 60 mo | $19.57 | |
| 7.50% | 84 mo | $15.34 | |
| 8.75% | 120 mo | $12.54 | |
| 2014 & Older | 7.00% | 36 mo | $30.88 |
| 7.50% | 48 mo | $24.18 | |
ATV, Snowmobiles, Other Secured Vehicle Loans (no title)
| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| 2023-2015 | 7.25% | 48 mo | $24.06 |
| 2014 & Older | 7.75% | 48 mo | $24.30 |
Unsecured Loan Rates
APR as low as
| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
| Maximum Loan Amount $5,000.00 | 9.50% | 36 mo | $32.05 |
| Kwik Cash Loan Rates |
APR |
|---|---|
| Minimum Loan Amount $500.00 | Maximum Loan Amount $5,000.00 | 12.00% |
Effective 3/25/2024. 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
Loan Specials
APR as low as
| Type | APR | Term | Monthly Payment*** |
|---|---|---|---|
NO current Loan Promo |
|||
Max Loan Amount
| |||
Effective ———-- . Subject to change without notice. Offer expires ——-——
All loan rates stated are Annual Percentage Rates (APR). Your rate will vary based on your credit history.
Minimum loan requirement is $500.00. Maximum term is 12 months. No other discounts apply and refinancing of existing Holy Family Memorial Credit Union loans are not eligible.
***Monthly Payment based on payment per $1,000.00 for APR rate and term