Hoosier United Credit Union

 
Rates
  • Account Rates

     

    Account Type APR* APY* Minimum Balance to Earn APY
    Regular Savings 0.05% 0.05% $5.00
    Draft Checking NA NA NA
    Special Savings 0.05% 0.05% $0.00
    Vacation Club Savings 0.05% 0.05% $0.00
    Christmas Club Savings 0.05% 0.05% $0.00
    Smart Start Savings 0.10% 0.10% $250.00
    Money Market 0.15% 0.15% $2,500.00
    High Yield Money Market 0.30% 0.30% $50,001.00
    * APR = Annual Percentage Rate, APY = Annual Percentage Yield
    Effective Date: 4/27/2017, Rates Subject to Change without Notice
    Rates listed are rates paid for previous end of month. Rates are subject to change and approval prior to payment for current month.
    Early withdrawal penalties may apply, please contact us for more details
  • Certificate Rates

     

    Term APR* APY* Minimum Balance to Earn APY
    6 month 0.00% 0.00% $1,000.00
    12 month 0.05% 0.05% $1,000.00
    18 month 0.20% 0.20% $1,000.00
    24 month 0.50% 0.50% $1,000.00
    * APR - Annual Percentage Rate, APY=Annual Percentage Yield
    Effective Date: 7/30/2012, Rates Subject to Change without Notice
    Once rate locked in for term, fixed rate for single term only. Rates are set at CD renewal for CD term. Rates published are subject to change.
    Early withdrawal penalty applies, contact us for more details
  • Member Pricing Program: Vehicle Loans


    New
    (Current Model Year(s) or Manufactured prior 2 years under 30,000 miles)

    Vehicle Type Current APR*
    (Based On Individual Credit)
    Term Options Maximum Financing
    (Average Retail Value)
    Auto           
    (Car, Truck, SUV)
    +/-   3.00% Up to 60 months up to 110 %
      +/-   4.00% 61 - 72 months
    (financing $10,000+)
    up to 110 %
     Motorcycle +/-   3.00% Up to 60 months up to 110 %
      +/-   4.00% 61 - 72 months
    (financing $10,000+)
    up to 110 %
     Alternative Vehicle
    (Boat, ATV, 4-Wheeler, Camper)
    +/-   3.50% Up to 72 months 90 %


    Used

    Year Vehicle Type Current APR*
    (Based on Individual Credit)
    Term Options Maximum Financing
    (Average Retail Value)
    2011 - 2016 Auto
    Motorcycle
    +/-   3.25% Up to 72 months* up to 110 %
      Alternative +/-   3.75% Up to 72 months* up to 90 %
     2008 - 2010 Auto
    Motorcycle
    +/-   4.25% Up to 48 months up to 110 %
      Alternative +/-   4.75% Up to 48 months up to 90 %
    2005 - 2007 Auto
    Motorcycle
    +/-   5.25% Up to 48 months up to 110 %
      Alternative +/-   5.75% Up to 48 months up to 90 %
    2004  and  older Auto
    Motorcycle
    +/-   8.00% Up to 36 months up to 110 %
      Alternative +/-   8.00% Up to 36 months up to 90 %



    * APR= Annual Percentage Rate, +/- signifies that these are the established base rates offered to HUCU borrowers. (Base rates are based on 48 month term) Individual rates will be adjusted higher or lower than displayed determined by borrower individual credit score and credit history. Some borrowers will not qualify for base rates. Interest Rates are Subject to Change without Notice. Current HUCU loans may be refinanced per borrower request, but are subject to $100 refinance fee.
    Effective Date: 3/1/2017. 72 month financing limited to current and previous 5 model years over $10,000 financing.
    Contact Us for more details and discounted rate info
  • Member Pricing Program: Loans

     

    Loan Type Current APR*
    (Based on Individual Credit)
    Limits
    (Available up to)
    Share Secured Share Dividend Rate + 2.00% N/A
    Line of Credit +/-   7.00% $5,000.00
    Overdraft Line of Credit +/-   7.00% $5,000.00
    Personal +/-   8.50% $10,000.00
    Visa Credit Card +/-   10.9% $10,000.00



    * APR= Annual Percentage Rate, +/- signifies that these are the established base rates offered to HUCU borrowers. Individual rates will be adjusted higher or lower determined by borrower individual credit score and credit history. Some borrowers will not qualify for base rates. Interest rates are subject to change without notice. Current HUCU loans may be refinanced per member request, but are subject to $100 refinance fee.
    Effective Date: 3/1/2017
    Contact us for more details
  • Mortgages

© 2017 Hoosier United Credit Union
NMLS #1579511
Phone (317) 923-4747 // Fax (317) 923-4830
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