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Loan Rates

Automobile Loans

 

Term
(months)

Rates as low as*

New Vehicle (not previously titled)

72
84

2.99%APR
3.99%APR

Used Vehicles (2017-2016, 2015` - $15K+)
(2014-2013, 2012 - less than $15K)
(2011-2010)
(2009 or older)

72
60
48
36

3.24%APR
3.24%APR
3.24%APR
5.24%APR

*Actual rate may vary depending on credit history, loan term, and equity in vehicle. APR = Annual Percentage Rate.

RV, Boat, Motorcycle, Personal Watercraft Loans - New or Used

 

Term
(months)

Rates as low as*

ATV

36

3.24%APR

Motorcycle

60

3.24%APR

New/Used Boat or RV ($25K or less)

60
72
84
96
120

2.99%APR
3.99%APR
4.99%APR
5.99%APR
6.99%APR

New/Used Boat or RV (over $25K)

60
72
84
96
120

3.49%APR
4.49%APR
5.49%APR
6.49%APR
7.49%APR

*Actual rate may vary depending on credit history, loan term, and equity in vehicle. APR = Annual Percentage Rate.

Home Equity Line of Credit

 

Variable Rate*

75% Loan to Value

4.00%APR

85% Loan to Value

5.00%APR

*Home Equity Line of Credit's are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 4.00%. Rates quoted "as low as". Based on credit rating. Fees required to open a home equity loan will range from $160-$450. APR = Annual Percentage Rate.

Personal Loans

 

Term

Fixed Rate as low as

Signature Loan

48
36
24
12

11.74%APR**
10.74%APR**
9.74%APR**
8.74%APR**

Overdraft Line of Credit

 

8.00%APR**

Personal Line of Credit

 

9.00%APR**

Certificate Secured Loans

 

certificate dividend rate plus 2%

**Actual rate may vary depending on credit history. APR = Annual Percentage Rate.

Rates updated 4/1/2017.

Savings Rates

Share Accounts

Account

Min. Balance to Earn Dividends

Dividend Rate

APY

Regular Savings

$250.00

.05%

.05%

Holiday Club $250.00 .05% .05%
IRA Savings $250.00 .05% .05%
Money Market $1,000 - $5,000 .05% .05%
  $5,001 - $20,000 .05% .05%
  $20,001 and over .10% .10%

Rates updated 1/3/2017. APR is Annual Percentage Rate and APY is Annual Percentage Yield.  Dividends are compounded daily and credited to your account monthly, with the exception of the Christmas Savings, which is credited annually.   Minimum balance requirements apply to average daily balance (amount of principal in account each day).  Savings account rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. Fees may reduce earnings.

Professional Development Certificates
Term Minimum Balance Dividend Rate APY
12 Month $25.00 .40% .40%
24 Month $25.00 .75% .75%
36 Month $25.00 .90% .90%
48 Month $25.00 1.15% 1.16%
Regular Certificates
Term Minimum Balance Dividend Rate APY
3 Month $500.00 .10% .10%
6 Month $500.00 .10% .10%
12 Month $500.00 .15% .15%
18 Month $500.00 .15% .15%
24 Month $500.00 .50% .50%
36 Momth $500.00 .65% .65%
48 Month $500.00 .90% .90%
60 Month $500.00 1.10% 1.11%
CU Save Club Share Certificates
Term Minimum Balance Dividend Rate APY
24 Month $250.00 .50% .50%
Jumbo Certificates (Opening balance of $5,000 or more)
Term Minimum Balance Dividend Rate APY
6 Month $5,000.00 .25% .25%
12 Month $5,000.00 .75% .75%
18 Month $5,000.00 .30% .30%
24 Month $5,000.00 .65% .65%
36 Month $5,000.00 .80% .80%
48 Month $5,000.00 1.05% 1.06%
60 Month $5,000.00 1.25% 1.26%
IRA Share Certificates
Term Minimum Balance Dividend Rate APY
12 Month $250.00 .30% .30%
18 Month $250.00 .30% .30%
24 Month $250.00 .65% .65%
36 Month $250.00 .80% .80%
48 Month $250.00 1.05% 1.06%
60 Month $250.00 1.25% 1.26%

Rates updated 1/3/2017. APY is Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. Unless otherwise indicated, dividends will be compounded daily and credited to your account monthly. A penalty may be imposed for withdrawals before maturity. Rates are subject to change. Fees may reduce earnings.

This schedule is incorporated as a part of your account agreement with Ohio HealthCare Federal Credit Union.

 

 

 

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