• 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

CLICK HERE TO APPLY ONLINE

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 2.75 3.49 6.49 12.49 16.49 17.99
5-Yr 2.49 2.99 5.99 11.99 15.99 17.74
4-Yr 1.99 2.49 5.49 11.49 15.49 17.49
3-Yr 1.85 2.25 4.99 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 3.49 3.99 6.99 13.49 17.49 17.99
5-Yr 2.99 3.49 6.49 12.99 16.99 17.99
4-Yr 2.49 2.99 5.75 12.49 16.49 17.99
3-Yr 2.25 2.49 5.50 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 5.99 8.50 12.00 16.50 17.95 17.95
3-Yr 5.75 8.25 11.50 16.25 17.95 17.95
2-Yr 5.50 8.00 11.00 16.00 17.95 17.95
1-Yr 4.99 7.75 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 ** 0.10% 0.10% Quarterly
Checking Accounts
.10% APY on AVG. BAL.
IRAs
Dividend APY Term
1.00% 1.00% Quarterly
Certificates of Deposit
6 Months 12 Months 18 Months 24 Months
Dividend APY Dividend APY Dividend APY Dividend APY
.25% .25% .35% .35% .45% .45% .60% .60%
Early withdrawal penalties may apply.