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Rates


 Rates Effective: 07/05/2017

Annual Percentage Yield (APY)

Annual Percentage Rate (APR)

Share Savings and Escrow Accounts

                          Minimum  to open              Minimum to earn dividends                  Rate                             Annual Percentage Yield                                        

$25 $200 .01% .01%

      * Other fees and restrictions may apply to share savings and escrow accounts. See Terms and Conditions & Fee Schedule for further details. Dividends compounded quarterly.

Junior Executive Savings Account

                Minimum to open         Minimum to earn dividends                Rate                                            Annual Percentage Yield                                   

$5 $25 .01% .01%

      * Other fees and restrictions may apply to Junior Executive Savings Account. See Jr. Executive brochure & Fee Schedule for further details. Dividends compounded quarterly.

Safe Management Account (SAM)

                 Minimum to open                            Minimum to earn dividends                                                                                Rate                               APY                  

$2,500 $0 - $2,499.99 .01% .01%
  $2,500 - $19,999.99 .05% .05%
  $20,000 - $49,999.99 .10% .10%
  $50,000+ .15% .15%

        * Other fees and restrictions may apply to SAM accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

Share Certificates and Individual Retirement Accounts (IRA)

                                    Term                                     Minimum to open      Min. to earn dividends                        Rate                              APY                      

6 months* $1,000 $1,000 .05% .05%
12 months* $1,000 $1,000  .15% .15%
24 months* $1,000 $1,000 .35% .35%
36 months* $1,000 $1,000 1.00% 1.01%
48 months* $1,000 $1,000 1.31% 1.32%
60 months* $1,000 $1,000 1.50% 1.51

      *  Early withdrawal penalties may apply. Terms of 365 days or less may result in a 90 day loss of dividends earned or not if withdrawn before maturity. Terms of 366 days or greater may result                                       in a 180 day loss of dividends earned or not if withdrawn before maturity.  Other fees and restrictions may apply to share certificate and IRA accounts. See Terms and Conditions & Fee                                             Schedule for further details. New IRA's not currently offered. Dividends compounded quarterly.

                                                        Share draft/Checking Accounts

                                    Name of account                             Min. to open                      Min. to earn dividends        Monthly service charge          Rate                              APY                                

No Frills $0.00 $750 $0.00 .01% .01%
HOT Line $0.00 $750 $5.00 .01% .01%
GEM $0.00 $750 $9.75 .01% .01%

             * Other fees and restrictions may apply to share draft/checking accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

 

                                                           Automobile & Recreational Type Vehicles

                                                                       Type                                                                                                                                           APR                                            

New Cars* As low as 2.15%
Use Cars* As low as 2.15%
New Motorcycle* As low as 3.95%
Used Motorcycle* As low as 5.95%
New Travel Trailer/Motor Home* As low as 4.95%
Used Travel Trailer/Motor Home* As low as 7.95%
Boats* As low as 4.95%

      * Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.                                                                                                 Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.  

 

                                                                            Unsecured Personal Loans

                                                                                   Type                                                                                                                      APR                                                         

Unsecured/Personal Loan As low as 7.99%

             *Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.       

Real Estate/Home Equity

Because rates for home loans may change multiple times on a daily basis, call HOTFCU for up to date rates. HOTFCU is very competitive with any published rates.


*Rates and Terms are based on credit history and length of financing.

                                                                                    Fees may reduce earnings on accounts listed above. See Fee Schedule

LOANS AND SAVINGS RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.