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 30th, 2023.
Kasasa Cash Learn More
| Minimum Balance to Obtain APY | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| $0 - $25,000 | $25 | 3.93% | 4.00% |
| $25,000+ | $25 | 0.15% | 4.00% to 0.92% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Kasasa Saver Learn More
| Minimum Balance to Obtain APY | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| $0 - $50,000 | $25 | 2.48% | 2.51% |
| $50,000+ | $25 | 0.15% | 2.51% to 0.94% |
| 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 | 1.25% | 1.25% |
| Basic Savings | $200 | $25 | 0.10% | 0.10% |
Money Market Accounts Learn More
| Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|
| $0.01 - $4,999.99 | 0.350% | 0.351% |
| $5,000 - $9,999.99 | 0.400% | 0.401% |
| $10,000 - $24,999.99 | 0.550% | 0.551% |
| $25,000+ | 0.650% | 0.652% |
Minimum opening deposit is $1,000
IRA Diamond Money Market Learn More
| Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|
| $0.01 - $4,999.99 | 0.350% | 0.351% |
| $5,000 - $9,999.99 | 0.400% | 0.401% |
| $10,000 - $24,999.99 | 0.550% | 0.551% |
| $25,000+ | 0.650% | 0.652% |
Minimum opening deposit is $1,000
IRA Share Certificates
| Term | Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|---|
| 1 Year | $1000 | 3.45% | 3.50% |
| 2 Year | $1000 | 2.96% | 2.00% |
| 3 Year | $1000 | 2.82% | 2.85% |
| 4 Year | $1000 | 2.82% | 2.85% |
| 5 Year | $1000 | 2.90% | 2.94% |
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.
Share Certificates Learn More
| Term | Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|---|
| 3 month | $1,000 | 1.59% | 1.60% |
| 6 month | $1,000 | 2.08% |
2.10% |
| 1 year | $1,000 | 3.45% | 3.51% |
| 2 year | $1,000 | 2.96% | 3.00% |
| 3 year | $1,000 | 2.82% | 2.86% |
| 4 year | $1,000 | 2.82% | 2.86% |
| 5 year | $1,000 | 2.90% | 2.94% |
| 7 month - Click Here | $5,000 | 4.97% | 5.10% |
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.
Wealth Builder Share Certificate
| Term | Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|---|
| 1 year | $25 | 2.96% | 3.00% |
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 | 6.79% | 13.69% |
| Used Auto Loan | 6.89% | 16.19% |
| Mature Auto Loan | 8.09% | 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%2 |
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.
2 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!
First Mortgage Learn More
| Term | Note Rate | Points | Origination Fee | APR | P&I Payments |
|---|---|---|---|---|---|
| 30 Year Fixed | 7.500% | 0.00 | $1,425 | 7.609% | $2,097.64 |
| 15 Year Fixed | 6.875% | 0.00 | $1,425 | 7.042% | $2,675.56 |
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 $140,000. 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 |
|---|---|---|---|---|---|
| 7/1 ARM | 6.75% | 1.00 | $1,425 | 7.365% | $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. PMI=Private Mortgage Insurance. 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. Your monthly payment can change after Seven years and every one year thereafter based on changes to the interest rate. Changes in the monthly payment will occur one month following the interest rate change. Your first interest rate change can occur on your 84th monthly payment due date. Thereafter, your interest rate can change every 12 months. At the first change date, your interest rate cannot increase or decrease by more than five percentage points (5.00%). Thereafter, your interest rate cannot increase or decrease by more than two percentage points (2.00%) at each change date ("Periodic Interest Rate Cap"). Your interest rate cannot increase by more than five percentage points (5.00%) above the initial interest rate over the term of the loan ("Lifetime Interest Rate Cap"). If your initial interest rate is discounted, your interest rate on the first Change Date may increase, even if the index does not increase. For Example, the monthly payment on a $300,000 mortgage at an initial rate of 6.75% (rate as of June 2023) would be $1,945.79 per month. On the 85th month, the interest rate could increase 5% to 11.75%. The maximum payment for this loan, based on the amortized balance on the 85th month would be $3,028.23. Some restrictions apply.
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 | 0% | 8.00%1 Variable |
| Max HELOC | 85% | 0 | 0% | 9.75%1 Variable |
| Fixed Equity | 80% | 0 | 0% | 8.25% |
| Max Equity | 85% | 0 | 0% | 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!
