APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 9/26/2017. 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 account is opened.  Fees may reduce earnings and transaction limitations apply.

Kasasa Cash*Learn More

Minimum Balance to Obtain APY Minimum Opening Deposit Dividend Rate APY
$0 - $25,000 $25 2.23% 2.25%
$25,000+ $25 0.20% 2.25% to 0.61%
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 0.50% 0.50%
$50,000+ $25 0.20% 0.50% to 0.30%
All balances if qualifications not met $25 0.05% 0.05%

Savings Accounts

Account Minimum Balance to Obtain APY Minimum Opening Deposit Dividend Rate APY
Holiday Club Account $0.01 $25 0.08% 0.08%
IRA Savings $0.01 $100 0.08% 0.08%
Basic Savings $200 $25 0.08% 0.08%

Money Market AccountsLearn More

Minimum Balance to Obtain APY Dividend Rate APY
$0.01 - $4,999.99 0.11% 0.11%
$5,000 - $9,999.99 0.11% 0.11%
$10,000 - $24,999.99 0.17% 0.17%
$25,000+ 0.22% 0.22%
Minimum opening deposit is $1,000

IRA Diamond Money MarketLearn More

Minimum Balance to Obtain APY Dividend Rate APY
$0.01 - $4,999.99 0.11% 0.11%
$5,000 - $9,999.99 0.11% 0.11%
$10,000 - $24,999.99 0.17% 0.17%
$25,000+ 0.22% 0.22%
Minimum opening deposit is $1,000

IRA Share Certificates

Term Minimum Balance to Obtain APY Dividend Rate APY
1 Year $1000 0.55% 0.55%
2 Year $1000 0.75% 0.75%
3 Year $1000 1.00% 1.00%
4 Year $1000 1.50% 1.51%
5 Year $1000 2.00% 2.02%
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 CertificatesLearn More

Term Minimum Balance to Obtain APY Dividend Rate APY
3 month $1,000 0.20% 0.20%
6 month $1,000 0.30% 0.30%
1 year $1,000 0.55% 0.55%
2 year $1,000 0.75% 0.75%
3 year $1,000 1.00% 1.00%
4 year $1,000 1.50% 1.51%
5 year $1,000 2.00% 2.02%
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 0.55% 0.55%

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 Vehicle Loan 2.69% 8.59%
Used Vehicle Loan 2.69% 8.59%
Mature Vehicle Loan 5.99% 10.79%
New / Used RV & Boat Loans 7.75% 10.95%
New / Used Motorcycles 5.99% 11.69%
New ATVs / Jet Skis 6.99% 9.19%
Personal Loan 9.99% 18.49%
Credit Plus Line of Credit 10.99% 19.99%
Share Secured / Certificate Secured n/a Dividend rate + 4%3

1 APR = Annual Percentage Rate. Loan interest rates are disclosed as ranges. Actual rate will vary based on borrower’s credit worthiness, 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 Annual percentage rate is subject to increase or decrease after the account is open. 

3 Actual APR is the current share or certificate dividend rate plus 4%. 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 MortgageLearn More

Term Note Rate Points Origination Fee APR P&I Payments
30 Year Fixed 4.000% 0.00 0.00% 4.054% $1,193.54
15 Year Fixed 3.250% 0.00 0.00% 3.343% $1,756.67

 

The rates listed above are for informational purposes only 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 $250,000. 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 MortgagesLearn More

Term Note Rate Points Origination Fee APR P&I Payments
7/1 ARM 3.750% 0.00 0.00 3.820% $648.36

NOTES: Index = 1 Year US Treasury CM (daily), margin 2.50%, 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 $250,000 30 year mortgage at an initial rate of 3.75% (the rate in March 2017) would be $1,157.79 per month. On the 85th month the interest rate could increase 5% to 8.75%. The maximum payment for this loan, based on the amortized balance on the 85th month would be $1,802.30. Some restrictions may 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 EquityLearn More

Product CLTV Points Origination Fee APR (as low as)
HELOC 80% 0 0% 4.00%1 Variable
Max HELOC 90%  0 0% 4.75%Variable
Fixed Equity 80% 0 0% 5.450%
Max Equity 90% 0 0% 6.750%

 

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 90% CLTV is $100,000. Maximum loan amount for Home Equity Loans up to 90% CLTV is $100,000.

1An initial $500 advance is required when your credit line is set up. The 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 3.75% and the maximum APR that can apply is 15.00%. Current APR is 4.00% to 5.75% as of November 1, 2017. 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 loan amount is $500 for the first advance and $500 minimum advance thereafter. 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!