Rates
Homeland Federal Credit Union strives to be your premier financial institution. We offer competitive rates on loans and deposits.
Click on the links below to see our current rates.
Loan Rates
Secured Loans
Personal/Unsecured/Consolidation Loans
Visa Platinum
Tuition Loans
Deposit Rates
Savings Accounts
IRA Accounts
Certificates of Deposit
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OR
Click here to download and print a loan application. Print, fill out, and return the application to us with a current check stub. You may bring the form to the credit union, mail it to us or fax to one of our
branch offices. A loan processor will contact you shortly thereafter. (Note: You will need Adobe Reader to be able to view our loan form. Download it for free by clicking
here.)
Rates shown below are subject to change without notice.
The loan rates shown below are the best rates we offer for the loans indicated. Your rate may be higher depending on your credit score.
| Secured * (20% Down) |
|
730+ |
680-729 |
640-679 |
600-639 |
550-599 |
<550 |
| Term |
APR |
APR |
APR |
APR |
APR |
APR |
| 6-Yr | 5.74 | 6.24 | 7.99 | 12.49 | 16.49 | 17.99 |
| 5-Yr | 5.49 | 5.99 | 7.49 | 11.99 | 15.99 | 17.74 |
| 4-Yr | 5.24 | 5.74 | 7.24 | 11.49 | 15.49 | 17.49 |
| 3-Yr | 4.99 | 5.49 | 6.99 | 10.99 | 14.99 | 17.24 |
| Secured * (0% Down) |
|
730+ |
680-729 |
640-679 |
600-639 |
550-599 |
<550 |
| Term |
APR |
APR |
APR |
APR |
APR |
APR |
| 6-Yr | 6.24 | 6.74 | 8.49 | 13.49 | 17.49 | 17.99 |
| 5-Yr | 5.99 | 6.49 | 7.99 | 12.99 | 16.99 | 17.99 |
| 4-Yr | 5.74 | 6.24 | 7.74 | 12.49 | 16.49 | 17.99 |
| 3-Yr | 5.49 | 5.99 | 7.49 | 11.99 | 15.99 | 17.74 |
| Personal |
|
730+ |
680-729 |
640-679 |
600-639 |
550-599 |
<550 |
| Term |
APR |
APR |
APR |
APR |
APR |
APR |
| 4-Yr | 8.50 | 10.50 | 12.00 | 16.50 | 17.95 | 17.95 |
| 3-Yr | 8.00 | 10.25 | 11.50 | 16.25 | 17.95 | 17.95 |
| 2-Yr | 7.50 | 10.00 | 11.00 | 16.00 | 17.95 | 17.95 |
| 1-Yr | 7.25 | 9.75 | 10.75 | 15.75 | 17.95 | 17.95 |
| VISA Platinum |
| 730+ |
680-729 |
640-679 |
600-639 |
550-599 |
<550 |
| APR |
APR |
APR |
APR |
APR |
APR |
| 8.95 | 12.50 | 13.50 | 14.50 | 16.00 | 17.95 |
| Tuition |
| 730+ |
680-729 |
640-679 |
600-639 |
550-599 |
<550 |
| APR |
APR |
APR |
APR |
APR |
APR |
| 5.50 | 6.00 | 6.50 | 8.00 | 10.00 | 15.00 |
| Savings/Club Accounts |
| Minimum |
Dividend |
APY |
Term |
| $25.00 to $9,999.99 ** | 0.10% | 0.10% | Quarterly |
| $10,000.00 and OVER ** | 0.25% | 0.25% | Quarterly |
| Checking Accounts |
| .10% APY on AVG. BAL. | | |
| IRAs |
| Dividend |
APY |
Term |
| 2.00% | 2.02% | Quarterly |
| Certificates of Deposit |
| 6 Months |
12 Months |
18 Months |
24 Months |
| Dividend |
APY |
Dividend |
APY |
Dividend |
APY |
Dividend |
APY |
| .50% | .50% | .75% | .75% | .85% | .85% | 1.00% | 1.00% |
| Early withdrawal penalties may apply. |
*Secured is defined as Autos, Boats, Motorcycles, RV's, Travel Trailer, and Classic Autos. Will refinance at 50 basis points lower than other institution with MINIMUM 6 MONTHS on books AND NO DELINQUENCY for the entire existence of the loan.
** Dividends paid on average daily balance
NOTICE: APY (Annual Percentage Yield) is subject to change without prior notice. Fees, if applicable, could reduce the earnings on the account.
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