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Loans
Personal Loan Rates
Loan Products Terms Rate Type APR* Personal Loan
12 months Fixed 4.74%1 Apply Now 24 months Fixed 5.24%1 Apply Now 36 months Fixed 5.74%1 Apply Now 48 months Fixed 6.49%1 Apply Now 60 months Fixed 7.49%1 Apply Now Rates are accurate as of 5/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Auto Loan Rates
Term Rate Type APR* New Auto/Truck
36 months Fixed 1.85%1 Apply Now 48 months Fixed 2.45%1 Apply Now 60 months Fixed 2.95%1 Apply Now 72 months Fixed 3.95%1 Apply Now 84 months Fixed 4.95%1 Apply Now Used Auto/Truck
36 months Fixed 1.95%1 Apply Now 48 months Fixed 2.55%1 Apply Now 60 months Fixed 3.05%1 Apply Now 72 months Fixed 4.25%1 Apply Now 84 months Fixed 5.25%1 Apply Now Rates are accurate as of 5/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Visa Platinum Plus Rate
Rate Type APR* VISA® Platinum Plus
Fixed 8.50%1 Apply Now Rates are accurate as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Line of Credit Rate
Rate Type APR* Line of Credit
Fixed 15.00%1 Apply Now Rates are accurate as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Share Secured Rate
Mortgage Product Term APR* Share Secured
144 months 2.50% over dividend rate Contact Us Certificate Secured Rate
Mortgage Product Term APR* Certificate Secured
Certificate Term 2.50% over dividend rate Contact Us 1st Mortgage Rate
Mortgage Product Term Rate Type Rate APR* 1st Mortgage
30 Year Fixed 4.500% 4.469% Apply Now 20 Year Fixed 4.000% 4.208% Apply Now 15 Year Fixed 3.375% 3.741% Apply Now 3 Year Balloon Balloon 3.750% 4.767% Apply Now 5 Year Balloon Balloon 4.000% 4.653% Apply Now 7 Year Balloon Balloon 4.500% 4.962% Apply Now 1/1 ARM Adjustable 3.500% 4.074% Apply Now 3/1 ARM Adjustable 3.750% 4.078% Apply Now 5/1 ARM Adjustable 4.000% 4.154% Apply Now 5/5 ARM Adjustable 2.875% 3.670% Apply Now 15/15 ARM Adjustable 3.125% 3.328% Apply Now Rates are accurate as of 5/25/2017 and subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage RateHome Equity (HELOC) Rate
Mortgage Product Term Rate Type APR* Home Equity
(HELOC) 325 Years Variable 2.00% Fixed/2 Years1
(Up to 80% loan-to-value, owner-occupied)25 Years Variable 6.50%1
(Up to 90% loan-to-value, owner-occupied)Investor Heloc (HELOC) 3
15 Years Variable 7.00%1
(Up to 80% loan-to-value, owner-occupied)Rates are accurate as of 5/8/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
3 Rate adjusts January 1st and July 1st.Green Loan Rate
Mortgage Product Term Rate Type APR* Green Loan 4
12 Years Fixed for the first 24 months Limited time only!
2.99%1
(4.35% APR)Apply Now Rates are accurate as of 5/8/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
4 Must be a homeowner.Construction Loan Rate
Mortgage Product Term Rate Type APR* Construction 4
30 Years 1-Year interest- only balloon 6.00%1 Apply Now Rates are accurate as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
4 Must be a homeowner.Land Loan (Purchase) Rate
Mortgage Product Term Rate Type APR* Land Loan
(Purchase)3 Year balloon Fixed for a 3-year period 6.92%1 Rates are accurate as of the 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply. -
Certificates
Regular Certificate Rates
Regular Certificates Min. Balance to Earn Stated APY APY* 6 to 11 months
$500.00 0.25% Contact Us 12 to 17 months
$500.00 0.50% Contact Us 18 to 23 months
$500.00 0.65% Contact Us 24 to 35 months
$500.00 0.75% Contact Us 36 to 47 months
$500.00 1.00% Contact Us 48 to 59 months
$500.00 1.25% Contact Us 60 months
$500.00 1.78% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
Special Certificate Rates
Special Certificate** Min. Balance to Earn Stated APY APY* Regular 16-Month
$10,000.00 0.65% Contact Us IRA 16-Month
$10,000.00 0.65% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
** Available for new money only. Dividends compounded and credited monthly. A penalty may be imposed for early withdrawals. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.IRA Certificates
IRA Certificates Min. Balance to Earn Stated APY APY* 12 to 23 months (IRA)
$500.00 0.50% Contact Us 24 to 35 months (IRA)
$500.00 0.75% Contact Us 36 to 47 months (IRA)
$500.00 1.00% Contact Us 48 to 59 months (IRA)
$500.00 1.25% Contact Us 60 months (IRA)
$500.00 1.78% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
** Available for new money only. Dividends compounded and credited monthly. A penalty may be imposed for early withdrawals. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account. -
Savings
Savings Rates
Account Name Min. Balance to Earn Dividends APY Savings
$100.00 0.15% Apply Now Checking
$0 0.10% Apply Now Christmas Club*
$0 0.50% Contact Us Special Savings
$0 0.15% Contact Us IRA Savings
$0 0.50% Contact Us Money Market
$0 - $9,999 0.10% Apply Now $10,000 - $24,999 0.15% Apply Now $25,000 - $99,999 0.20% Apply Now $100,000 or more 0.25% Apply Now APY = Annual Percentage Yield. Dividends are credited and compounded monthly. This schedule is incorporated as a part of your account agreement with the UHFCU. Minimum balance requirements apply to daily balance. Rates are subject to change at any time as determined by the Board of Directors. Rates are accurate and effective as of 1/1/2017 and are subject to change without prior notice. Fees or other conditions could reduce the earnings on the account. If you have any questions or need current rate information, please call (808) 983-5500 or contact us through our Contact Us page.
* For Christmas Club accounts, the entire balance, minus the required minimum opening deposit, will be transferred to your Savings account on or after November 1st and the account will remain open. Any balances exceeding $5,000.00 will revert to the Savings Account dividend rate. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club accounts, you may close it. If you close your Christmas Club accounts, you will be charged a fee of all accrued uncredited dividends. However, any accrued dividends will be paid to you if you close your account within seven (7) days of the date the account is opened.
