APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates, APYs, terms, and conditions are subject to change without notice.  With the exception of Share Certificates, all accounts are variable rate accounts, and rates may change after the account is opened.  Fees may reduce earnings, and transaction limitations apply. Rates are effective as of May 29th, 2024.

Kasasa Cash Learn More

Minimum Balance to Obtain APY Minimum Opening Deposit Dividend Rate APY
$0 - $25,000 $25 4.89% 5.00%
$25,000+ $25 0.10% 1.08% to 5.00%
All balances if qualifications not met $25 0.01% 0.01%

Kasasa Saver Learn More

Minimum Balance to Obtain APY Minimum Opening Deposit Dividend Rate APY
$0 - $50,000 $25 4.17% 4.25%
$50,000+ $25 0.10% 4.25% to 1.48%
All balances if qualifications not met $25 0.01% 0.01%

Savings Accounts

Account Minimum Balance to Obtain APY Minimum Opening Deposit Dividend Rate APY
Holiday Club Account $0.01 $25 0.10% 0.10%
IRA Savings $0.01 $100 1.74% 1.75%
Basic Savings $200 $25 0.10% 0.10%

Diamond Select Money Market Accounts Learn More

Tier Minimum Balance to Obtain APY Dividend Rate APY

Tier 1

$0.00- $24,999.99 0.350% 0.350%
Tier 2 $25,000-$49,999.99 0.500% 0.500%
Tier 3 $50,000-$99,999.99 0.600% 0.600%
Tier 4 $100,000-$199,999.99 0.750% 0.750%
Tier 5 $200,000-$999,999.99 0.800% 0.800%
Tier 6 $1,000,000.00 0.800% 0.800%

 

Minimum opening deposit is $1,000

IRA Diamond Select Money Market Learn More

Tier Minimum Balance to Obtain APY Divdend Rate APY

Tier 1

$0.00- $24,999.99 0.350% 0.350%
Tier 2 $25,000-$49,999.99 0.500% 0.500%
Tier 3 $50,000-$99,999.99 0.600% 0.600%
Tier 4 $100,000-$199,999.99 0.750% 0.750%
Tier 5 $200,000-$999,999.99 0.800% 0.800%
Tier 6 $1,000,000.00 0.800% 0.800%

Minimum opening deposit is $1,000

Share Certificates Learn More

Term Minimum Balance to Obtain APY Dividend Rate APY
3 month $1,000 2.75% 2.78%
6 month $1,000 2.75% 2.78%
1 year $1,000 3.40% 3.45%
2 year $1,000 4.17% 4.25%
3 year $1,000 3.10% 3.14%
4 year $1,000 3.20% 3.25%
5 year $1,000 3.40% 3.45%

 

Transaction limitations apply, and a penalty may be imposed for early withdrawal. Rates remain fixed for the certificate term and are set by the Board of Directors.

*APY = Annual Percentage Yield. Rates are effective as of January 25th, 2024. The minimum opening deposit required for this account is $1,000, and the maximum deposit amount allowed is $500,000 per account and household. The dividend rate and annual percentage yield are fixed and will be in effect for the 7-month term of the account. Penalties for early withdrawal and fees may reduce earnings. Limited time only.

IRA Share Certificates

Term Minimum Balance to Obtain APY Dividend Rate APY
1 Year $1000 3.40% 3.45%
2 Year $1000 3.80% 3.87%
3 Year $1000 3.10% 3.14%
4 Year $1000 3.20% 3.25%
5 Year $1000 3.40% 3.45%

Transaction limitations apply and a penalty may be imposed for early withdrawal. Rates remain fixed for the term of the certificate and are set by the Board of Directors.

Wealth Builder Share Certificate

Term Minimum Balance to Obtain APY Dividend Rate APY
1 year $25 3.40% 3.45%

Transaction limitations apply and a penalty may be imposed for early withdrawal. Rates remain fixed for the term of the certificate and are set by the Board of Directors. Monthly automatic deposit of $25.00 required for Wealth Builder Share Certificates.

Loan Rates

Consumer Loans

Loan APR From1 APR To1
New Auto Loan 6.29%2 13.94%
Used Auto Loan 6.39%2 16.44%
Mature Auto Loan 7.34%2 18.00%
New / Used RV Loans 8.29% 18.00%
New / Used ATV Loan 8.19% 18.00%
New / Used Motorcycle Loan 7.89% 18.00%
New / Used Jet Ski Loan 8.19% 18.00%
New / Used Boats Loan 8.29% 18.00%
Personal Loan 11.29% 18.00%
Credit Plus Line of Credit 11.49% 19.99%
Share Secured / Certificate Secured n/a Dividend rate + 3%3

1 APR = Annual Percentage Rate. All Loans are subject to approval. Loan interest rates are disclosed as ranges. The actual rate will vary based on the borrower's creditworthiness, the loan term selected, loan amount and, if applicable, the vehicle/collateral model, year and value. Programs, rates, terms, and conditions are subject to change without notice. Financing is available up to 125% MSRP for new vehicles, up to Kelley Blue Book retail value for used vehicles, and up to 95% LTV for mature vehicles.

2Rates for vehicle loans reflect a relationship discount of .25% and a .50% discount for LTV of 80% or less.  

3 Actual APR is the current share or certificate dividend rate plus 3%. For our most current rates, contact our Contact Center at 916.364.1700 or 800.233.6328

Apply Online or you can also talk to an HCCU Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

Credit Cards Learn More

Credit Card Type Introductory APR for Purchases* APR as low as
Rate Saver 4.99% 15.74%
Premium Rewards 4.99% 17.24% 
Classic Secured N/A 15.24%

 

See Pricing and Fee DetailsView Disclosure. All loans are subject to credit approval. *Introductory APR for six months from account opening.

First Mortgage Learn More

Term Note Rate Points Origination Fee APR P&I Payments
30 Year Fixed 6.750% 1.00 $1,425 6.951% $1,945.79
30 Year Fixed 7.000% 0.00 $1,425 7.104% $1,995.91
15 Year Fixed 6.375% 1.00 $1,425 6.698% $2,592.75
15 Year Fixed 6.625% 0.00 $1,425 6.879% $2,633.98

 

The rates listed above are "as low as" and are based on a Conventional 60% LTV loan. APR = Annual Percentage Rate. No rate is guaranteed without a valid rate lock and not all borrowers and property will qualify for all rates. All mortgage loans are subject to credit approval and property valuation. Rates are based on property valuation, amount financed, loan program selected, applicant's credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change without notice. Financing limited to owner-occupied, one-to-four family-unit properties located in the state of California. Not available for mobile homes, manufactured homes, vacant lots or commercial properties.

Property insurance is required, and flood insurance and PMI may be required. Other restrictions on property may apply.

The APR and P&I payments are based on loans that are equal to or less than 60% of the value of the property, with a loan amount of $300,000. The terms shown assume equal monthly payments for the full term specified.

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

Adjustable Rate Mortgages Learn More

Term Note Rate Points Origination Fee APR P&I Payments
1/1 ARM1 6.125% 1.00 $1,425

8.191%

$1,822.83
3/1 ARM2 6.250% 1.00 $1,425 7.835% $1,847.15
5/1 ARM3 6.375% 1.00 $1,425 7.635% $1,871.61
7/1 ARM4 6.750% 1.00 $1,425 7.637% $1,945.79

NOTES: Index = 1 Year US Treasury CM (daily), margin 5% 1st annual adjustment cap, 2% annual rate cap, 5% lifetime rate cap. CLTV, up to 97%.

APR = Annual Percentage Rate. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. 1 The monthly payment on a $300,000 mortgage at an initial rate of 6.125% would be $1822.83 per month. On the 13th month, the interest rate could increase 2% to 8.125%. The maximum payment for this loan, based on the amortized balance on the 13th month, would be $3,114.73 2 The monthly payment on a $300,000 mortgage at an initial rate of 6.250% would be $1,847.15 per month. On the 37th month, the interest rate could increase 2% to 8.250%. The maximum payment for this loan, based on the amortized balance on the 37th month, would be $3,143.69. 3 The monthly payment on a $300,000 mortgage at an initial rate of 6.375% would be $1,847.15 per month. On the 61st month, the interest rate could increase 2% to 8.375%. The maximum payment for this loan, based on the amortized balance on the 61st month, would be $2,942.30. The monthly payment on a $300,000 mortgage at an initial rate of 6.750% would be $1,920.93 per month. On the 85th month, the interest rate could increase 5% to 11.750%. The maximum payment for this loan, based on the amortized balance on the 85th month, would be $3,02.23.  

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let's chat face-to-face!

Home Equity Learn More

Product CLTV Points Origination Fee APR (as low as)
HELOC 80% 0 $150 8.00%1 Variable
Max HELOC 85% 0 $150 9.75%1 Variable
Fixed Equity 80% 0 $150 8.25%
Max Equity 85% 0 $150 9.50%

APR = Annual Percentage Rate. The above rates are for informational purposes only. No rate is guaranteed without a valid rate lock. Rates and terms vary depending on loan-to-value ratio, credit evaluation, property valuation, and underwriting requirements and not all borrowers will qualify for all rates. PMI and Flood and/or property hazard insurance may be required, and other restrictions may apply. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.

Maximum loan amount for HELOC up to 85% CLTV is $100,000. Maximum loan amount for Home Equity Loans up to 85% CLTV is $100,000.

1The contractual variable rate is the Prime rate minus or plus a margin based on your credit (margin = minus 0.250% up to plus 1.50%) The prime rate is the “Prime Rate” published in the “Consumer Money Rates” table of the Wall Street Journal on the last business day of each month. Prime is a variable rate; as it changes, the APR on your account will also change. The minimum APR is 4.00% and the maximum APR that can apply is 15.00%. The current APR is 8.00% to 9.75% as of May 15th, 2023. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be a one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes, or cooperatives. The minimum line of credit amount is $10,000 and the minimum in-branch advance is $500. Loan fees and closing costs vary up to $1,000. Owner-occupied only.

Apply Online or you can also talk to an HCCU Member Home Loan Specialist at (916) 364-1700, or stop by an HCCU branch and let’s chat face-to-face!