
New & Used Auto/Motorcycle: 2019 and Newer
(minimum amount for terms over 75 months is $25,000)
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Terms (Up To) | 36 mos. | 48 mos. | 66 mos. | 75 mos. | 84 mos. |
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Annual Percentage Rates (As low as) | 2.24% | 2.49% | 2.74% | 2.99% | 3.49% |
Monthly Payment per $1,000 | $28.75 | $21.91 | $16.34 | $14.63 | $13.44 |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
New & Used Boats/Campers/ATV/Tractors: 2016 and Newer
(minimum amount for terms over 75 months is $25,000)
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Terms (Up To) | 36 mos. | 48 mos. | 66 mos. | 75 mos. | 84 mos. | 120 mos. | 180 mos. |
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Annual Percentage Rates (As low as) | 4.49% | 4.74% | 4.99% | 5.34% | 5.74% | 6.74% | 7.49% |
Monthly Payment per $1,000 | $29.74 | $22.91 | $17.36 | $15.71 | $14.48 | $11.48 | $9.26 |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
2016-2018 Used Auto/Motorcycle
Terms (Up To) | 36 mos. | 48 mos. | 60 mos. | 75 mos. |
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Annual Percentage Rates (As low as) | 2.74% | 2.99% | 3.24% | 3.49% |
Monthly Payment per $1,000 | $28.97 |
$22.13 | $18.08 | $15.41 |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 Day month. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
2015 and Older Auto/Motorcycle/Boat/Camper/RV/ATV/Tractor
(minimum amount for terms over 75 months is $25,000)
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Terms (Up To) | 36 mos. | 48 mos. | 60 mos. |
---|---|---|---|
Annual Percentage Rates (As low as) | 5.49% | 5.74% | 6.24% |
Monthly Payment per $1,000 | $30.19 | $23.37 | $19.44 |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
This credit union is federally insured by the National Credit Union Administration.
Home Equity Loans
Home Equity Line of Credit
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0% APR* Intro for 6 Months
As low as 3.75% After 6 Mo.
Index | Margin | Loan to Value | Other Info |
---|---|---|---|
*Prime | -0.25% | Up to 80% |
Ten year draw period.
Floor 3% APR - Ceiling 15% APR Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $400-$1,800.
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Variable rate loan. Property insurance is required. |
Home Equity Closed End
Terms (Up To) | 60 mos. | 120 mos. | 180 mos. |
---|---|---|---|
Annual Percentage Rates (As low as) | 3.24% | 3.74% | 3.99% |
Monthly Payment per $1,000 | $18.08 | $10.00 | $7.39 |
No closing costs unless mortgage is discharged for any reason within three years of the loan date. 90% LTV |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimate based on a 30 day month. The rate you receive and the loan to value options presented are based on your credit score. Approval subject to our credit granting terms and conditions. New money only. Not all applicants will qualify for the lowest rate.
Mortgage Financing
Interest Rate | APR | Approximate Terms | Other |
---|---|---|---|
5.000 % | 5.037 % | 30 yrs. | 95% LTV |
4.750 % | 4.799 % | 20 yrs. | |
4.375 % | 4.437 % | Up to 15 yrs | |
Sample monthly payment - $100,000 at 5.037 % APR for 30 years is approximately: $536.82
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Sample monthly payment - $100,000 at 4.799 % APR for 20 years is approximately: $646.22
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Sample monthly payment - $100,000 at 4.437 % APR for 15 years is approximately: $758.62 |
The rate quoted above may vary based on credit worthiness, property condition or loan to value. Contact the Credit Union for details as rates may change daily and without notice. Payments do not include amounts for mortgage insurance premiums, and the actual payment obligation will be higher.
Time Saver Mortgage
Annual Percentage Rate | Approximate Terms | Other |
---|---|---|
3.49% | 10 yrs. | 80% LTV |
3.74% | 15 yrs. | 80% LTV |
Sample monthly payment - $50,000 at 3.49% APR for 10 years is approximately: $494.20
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Sample monthly payment - $50,000 at 3.74% APR for 15 years is approximately: $363.36
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Rates above are current as of the date posted above and are subject to change without notice. Payments do not include amounts for mortgage insurance premiums, and the actual payment obligation will be higher.
This credit union is federally insured by the National Credit Union Administration.
Homeowner's Advantage - Call Toll Free 1-877.266-7722
OwnersChoice Funding Incorporated - Call Toll Free 1-800-342-4998
Visa® Platinum and Classic
Card | Variable-rate Information | Annual Membership Fee | Grace Period for Purchases | Method to Compute Balance on Purchases |
---|---|---|---|---|
Visa Platinum Annual Percentage Rate 8.00% | Your annual percentage rate may vary. (Prime plus 4.5%, changes quarterly.) | None | 25 days | Average daily balance including new purchases. |
Visa Classic Annual Percentage Rate 13.25% |
None | None | 25 Days | Average daily balance including new purchases. |
12 month balance transfer rate of 1.99% APR*
Cash Advance Transaction Fee: None
Balance Transfer Fee: None
Annual Membership Fee: None
Visa Credit Card Late Payment Fee: $25.00
Rates above are current as of the date posted above and are subject to change without notice. *Prime rate is as published in the Wall Street Journal. Foreign Transaction Fee: 1% of transaction amount after it is converted to U.S. dollars.
Requests for further information on fees and terms applicable to the advertised accounts are available from any First Heritage Federal Credit Union employee. Rates subject to change daily. Membership Eligibility Required. Approval subject to our credit granting terms and conditions. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate. Federally insured by NCUA.
This credit union is federally insured by the National Credit Union Administration.
*APR = Annual Percentage Rate. Balance transfer rate of 1.99% effective for 12 months. Rate will revert to a variable APR of prime + 4.50% APR for VISA Platinum and 13.25% APR for VISA Classic once the promotional period has ended.
Fixed-Rate Loans
Signature Loan
Terms (Up to) | 12 mos. | 24 mos. | 36 mos. | 48 mos. | 60 mos. |
---|---|---|---|---|---|
Annual Percentage Rate (As low as) | 4.99% | 5.99% | 6.99% | 7.74% | 7.99% |
Monthly Payment per $1,000 | $85.60 | $44.32 | $30.87 | $24.29 | $20.27 |
Rates above are current as of the date posted above and are subject to change without notice. Monthly payment estimates based on a 30 Day Month. Not all applicants will qualify for the lowest rate.
Variable Rate Loans
Loan Type | Index | Percentage Above Index |
---|---|---|
Line of Credit | *Prime Rate | + 3.00% |
Certificate Secured | Share Certificate Rate | + 3.00% |
share secured loan
Index | Percentage Above/Below Index | Other Info |
Prime Rate* | -0.50% | Floor - 3% APR* - Ceiling 17% APR* |
Rates above are current as of the date posted above and are subject to change without notice. *Prime rate is as published in the Wall Street Journal. APR = Annual Percentage Rate
This credit union is federally insured by the National Credit Union Administration.
Share & Share Draft Accounts
Product | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield (APY) | Effective Date |
---|---|---|---|---|
Share Savings | $100.00 to $9,999.99 | 0.10% | 0.10% | 09-01-21 |
$10,000.00 to $49,999.99 | 0.10% | 0.10% | 09-01-21 | |
$50,000.00 to $99,999.99 | 0.10% | 0.10% | 09-01-21 | |
$100,000.00 to $249,999.99 | 0.10% | 0.10% | 09-01-21 | |
Over $250,000 | 0.10% | 0.10% | 09-01-21 | |
Kasasa® Saver* | Up to $50,000 | 0.75% | 0.75% | 07-01-20 |
Portion of Balance over $50,000 | 0.20% | 0.20% | 07-01-20 | |
Qualifications Not Met | 0.05% | 0.05% | 07-01-20 | |
IRA Share Savings | $0.00 to $9,999.99 | 0.20% | 0.20% | 09-01-21 |
$10,000.00 to $49,999.99 | 0.20% | 0.20% | 09-01-21 | |
$50,000.00 to $99,999.99 | 0.20% | 0.20% | 09-01-21 | |
$100,000.00 to $249,999.99 | 0.20% | 0.20% | 09-01-21 | |
Over $250,000 | 0.20% | 0.20% | 09-01-21 | |
Kirby Kangaroo Savings | $5 | 0.10% | 0.10% | 01-01-18 |
CU Succeed Savings | $5 | 0.10% | 0.10% | 01-01-18 |
Holiday/Vacation Clubs | $5 | 0.10% | 0.10% | 01-01-18 |
Kasasa® Cash Checking | Up to $10,000 | 2.48% | 2.50% | 07-01-20 |
Portion of Balance Over $10,000 | 0.20% | 0.20% | 07-01-20 | |
Qualifications Not Met | 0.05% | 0.05% | 07-01-20 | |
Kasasa® Cashback
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N/A | -- | -- | 01-01-18 |
Heritage Checking | N/A | 01-01-18 | ||
CU Succeed Checking | $5 | 0.25% | 0.25% | 01-01-18 |
Business Checking | $5,000 | 0.10% | 0.10% | 02-01-21 |
Money Manager | $2,500 to $49,999 | 0.10% | 0.10% | 11-01-20 |
$50,000 to $99,999 | 0.20% | 0.20% | 1-01-21 | |
$100,000 to $249,999 | 0.35% | 0.35% | 1-01-21 | |
Over $250,000 | 0.50% | 0.50% | 1-01-21 |
Requests for further information on fees and terms applicable to the advertised amounts are available from any First Heritage Federal Credit Union employee. Rates subject to change daily. Membership Eligibility Required. Fees may reduce the earnings on the accounts. For more information, please refer to our Fee Schedule. Member forfeits their dividends if an account is closed before dividends accrue.
*Must have a Kasasa Cash Checking Account or a Kasasa Cash Back Checking Account
Share IRA & Share Certificate Accounts
Term | Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) | Effective Date |
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6 Months | $1,000 | 0.25% | 0.25% | 2-23-21 |
12 Months | $1,000 | 0.30% | 0.30% | 2-23-21 |
12 Month Jumbo | $100,000 | 0.35% | 0.35% | 2-23-21 |
18 Months | $1,000 | 0.40% | 0.40% | 2-23-21 |
24 Months | $1,000 | 0.50% | 0.50% | 2-23-21 |
24 Month Jumbo | $100,000 | 0.55% | 0.55% | 2-23-21 |
36 Months | $1,000 | 0.65% | 0.65% | 2-23-21 |
48 Months | $1,000 | 0.75% | 0.75% | 2-23-21 |
60 Months | $1,000 | 0.90% | 0.90% | 2-23-21 |
Dividend rate is 0.25% higher than a regular share certificate. $100 minimum opening deposit required. Terms available: 6, 12, 18, 24, 36, 48 and 60 months. Additional deposits (minimum $25 per occurrence) are unlimited and may be made at any time. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity). See Truth in Savings Share Certificate Disclosure. Dividends are paid monthly and can be compounded or withdrawn. If the member chooses to reinvest the dividend, it will continue to compound monthly. Members may access the account in person, First Line Online Banking or Mobile Banking App. Monthly account statements. Quarterly statement is sent if there are no electronic transfers in a month. Members receive a notice 30 days prior to maturity. Certificate will automatically be renewed at the new rate unless the member notifies the credit union within 10 days from the date of maturity.
Kasasa Qualification Information:
To earn your account's rewards, any enrollments must be completed and all of the following transactions and activities must post and settle to your Kasasa Cash with Kasasa Saver account during each Monthly Qualification Cycle:
- At least 12 debit card transactions
- At least 1 direct deposit, ACH payment, or bill pay transaction(s)
- Be enrolled in and have agreed to receive e-statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.