Rates Calculator

Financing for almost any need — With No Payments for 90 Days1 and Rates as low as 4.99% APR*

Details
  • Affordable lump-sum financing for almost any need:
    • Take a much-needed vacation
    • Consolidate debt
    • Begin a personal project
    • And more
  • Loan amounts of up to $20,000
  • Competitive, fixed rates as low as 4.99% APR
  • No Payments for 90 Days1
  • Flexible terms up to 72 months2
  • Line of credit options available
  • Easy application process
  • Local decision-making and processing right here in the Greater Sacramento area
  • Helpful, customized service throughout the entire process 

Share-Secured Personal Loans

Use your HCCU savings or certificate account as collateral when financing your next purchase. Share Secured loans allow members to establish or build up their credit at a low affordable rate.

*APR = Annual Percentage Rate. Rates are current as of 02/01/2022 and are subject to change without notice. All loans are subject to credit approval.1Finance charges begin to accrue upon loan disbursal and will continue to accrue during the “no payment” deferral period. No payment deferral period will increase the total finance charges borrower will pay over the life of the loan. 2Payment Example: $10,000 loan amount financed for 72 months at 4.99% APR requires 71 monthly payments of $161.35 and a final payment of $161.10.

CreditPlus Personal Line of Credit

Establish a credit line to use at your convenience. 

  • Competitive rates for repetitive or multiple financial needs:
    • Home improvements projects
    • Prospective business plans
    • Arrange for seasonal needs
    • Debt consolidation
    • Family vacation
    • And more
  • Accommodating repayment, customized according to your unique needs
  • Revolving credit; as the balance is paid down, more funds become available
  • Loan amounts of up to $10,000
  • Only pay interest on the part that's used
  • Easy application process
  • Local decision-making and processing right here in the Greater Sacramento area
  • Helpful, customized service throughout the entire process