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Rates

Check out these amazing rates whether you are looking to borrow or save.




















New & Used Auto / Motorcycle: 2019 and Newer

(minimum amount for terms over 75 months is $25,000)
Rates accurate as of November 18, 2022 
Terms (Up To) Annual Percentage Rates (As low as) Monthly Payment per $1,000
36 mos. 5.99 % $30.42 
48 mos. 6.24 % $23.60 
66 mos. 6.49 % $18.06 
75 mos. 6.74 % $16.38 
84 mos. 7.24 % $15.21 

 

New & Used Boats / Campers / ATV / Tractors: 2016 and Newer

(minimum amount for terms over 75 months is $25,000)
Terms (Up To) Annual Percentage Rates (As low as) Monthly Payment Per $1,000
36 mos. 6.74 % $30.76 
48 mos. 6.99 % $23.94 
66 mos. 7.24 % $18.41 
75 mos. 7.49  % $16.74  
84 mos. 7.99 % $15.58 
120 mos. 8.24  % $12.26 
180 mos. 8.49 % $9.84  

 

2016-2018 Used Auto / Motorcycle

(minimum amount for terms over 75 months is $25,000)
Terms (Up To) Annual Percentage Rates (As low as) Monthly Payment Per $1,000
36 mos. 6.49 % $30.64 
48 mos.
6.74 % $23.83 
60 mos. 6.99 % $19.80 
75 mos. 7.24 % $16.62 
84 mos. 7.74 % $15.46 

 

 

2015 and Older Auto / Motorcycle / Boat / Camper / RV / ATV / Tractor

(minimum amount for terms over 75 months is $25,000)

Terms (Up To) Annual Percentage Rates (As low as)  Monthly Payment per $1,000
36 mos. 7.74  % $31.22 
48 mos. 7.99 % $24.41 
60 mos. 8.49 % $20.51 

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

Rates accurate as of November 28, 2022 

Index Margin Loan to Value
*Prime -0.25% Up to 80%

0% APR* Intro for 6 Months

As low as 6.25 % After 6 Mo.
Ten year draw period. Floor 3% APR - Ceiling 15% APR. Variable rate loan. Property Insurance is required.
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.
*APR = Annual Percentage Rate. Minimum amount to finance is $10,000. Approval subject to our credit granting terms and conditions. After introductory period rate will revert to a variable rate based on prime. APR is as low as prime minus .25%.
Prime rate is as published in the Wall Street Journal. Maximum rate is 15% APR. Credit score will determine your rate. Not all borrowers will qualify for the lowest rate. Other rates and terms available. New money only. NMLS ID 460887.


Home Equity Closed End


Terms (Up To) Annual Percentage Rate (As low as) Monthly Payment Per $1,000
60 mos. 6.24% $19.44 
120 mos. 6.74% $11.48 
180 mos. 7.24% $9.12 
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. Property Insurance Required.
 
 

Mortgage Financing

In House Mortgage 1-4 Family

(Owner Occupied)
Interest Rate APR Approximate Terms
6.375 % 6.415 % 30 yrs.
6.125 % 6.177 % 20 yrs.
6.000 % 6.065 % Up to 15 yrs.
95% Loan to Value
Sample Monthly Payment - $100,000 at 6.415 % APR for 30 years is approximately: $623.87 
Sample Monthly Payment - $100,000 at 6.177% APR for 20 years is approximately: $723.66 
Sample Monthly Payment - $100,000 at 6.065% APR for 15 years is approximately: $843.86 

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
6.49% 10 yrs. 80% LTV
6.99% 15 yrs. 80% LTV
Sample Monthly Payment - $50,000 at 6.49% APR for 10 years is approximately: $567.49
Sample Monthly Payment - $50,000 at 6.99% APR for 15 years is approximately: $449.13

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 1-877-266-7222

OwnersChoice Funding Incorporated - Call Toll Free 1-800-342-4998



Visa® Platinum and Classic

12 month balance transfer rate of 1.99% APR*

Rates accurate as of November 18, 2022


















Card Variable-rate information Method to Compute Balance on Purchases
Visa Platinum Annual Percentage Rate 10.75% Your annual percentage rate may vary. (Prime plus 4.5% changes quarterly.) Average daily balance including new purchases. 
Visa Classic Annual Percentage Rate 13.25% None Average daily balance including new purchases.
Cash Advance Transaction Fee: None
Balance Transfer Fee: None
Annual Membership Fee: None
Visa Credit Card Late Payment Fee: $25.00
Grace Period for Purchase: 25 days

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

Rates accurate as of November 18, 2022


















Signature/Personal Loan


Terms (Up To) Annual Percentage Rate (As low as) Monthly Payment per $1,000
12 mos. 7.24% $86.64
24 mos. 8.24% $45.34
36 mos. 9.24% $31.91
48 mos. 9.99% $25.36
60 mos. 10.24% $21.37
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

Rates accurate as of November 18, 2022

Share Savings

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
$100.00 to $9,999.99 0.15% 0.15%
$10,000.00 to $49,999.99 0.15% 0.15%
$50,000.00 to $99,999.99 0.15% 0.15%
$100,000.00 to $249,999.99 0.15% 0.15%
Over $250,000 0.15% 0.15%

APEX Saver*

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
Up to $50,000 0.75% 0.75%
Portion of Balance over $50,000 0.20% 0.20%
Qualifications Not Met
0.05%
0.05%

IRA Share Savings

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
$0.00 to $9,999.99 0.20% 0.20%
$10,000.00 to $49,999.99 0.20  % 0.20%
$50,000.00 to $99,999.99
0.20  %
0.20%
$100,000.00 to $249,999.99 0.20 % 0.20%
Over $250,000.00 0.20   % 0.20%

Holiday/Vacation Club

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
$5.00 0.10% 0.10% 

APEX Cash Checking*

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
Up to $10,000 2.96% 3.00%
Portion of Balance Over $10,000 0.20% 0.20%
Qualifications Not Met 0.05% 0.05%

APEX Cashback*

Minimum Dividend Balance Reward Annual Percentage Yield (APY)
N/A Earn 3%* Cash Back on your debit card purchases up to $300 each month you qualify. Maximum monthly reward - $9.00 N/A

Heritage Checking

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
N/a N/A N/A

Business Checking

Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
$5,000 0.10% 0.10%

Money Manager


Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY)
$2,500 to $49,999 0.25% 0.25%
$50,000 to $99,999 0.50% 0.50%
$100,000 to $249,999 0.80% 0.80%
Over $250,000 1.00% 1.00%
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 an APEX Cash Checking Account or a APEX Cash Back Checking Account and meet the monthly qualification requirements.
 

Share IRA & Share Certificate Accounts

Share Certificate Minimum Balance: $1,000
Jumbo Share Certificate Minimum Balance: $100,000
Term
Dividend Rate  Annual Percentage Yield (APY)
3 Months 0.50% 0.50%
6 Months 1.00% 1.00%
12 Months 1.50% 1.51%
12 Month Jumbo 1.55% 1.56%
15 Month Special** 2.50% 2.53%
18 Months 1.75% 1.76 %
21 Months 4.00 % 4.07%
24 Months 3.25% 3.30%
24 Month Jumbo 3.40% 3.45%
36 Months 3.50% 3.56%
48 Months 2.00% 2.02%
60 Months 2.10% 2.12%
**Offer may be withdrawn at any time.
 
Score Goal Share Certificates (Members ages 0-17):
$100 minimum opening deposit required. Terms available: 3, 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.
 
A penalty will be imposed for early withdrawal.
 
*APY = Annual Percentage Yield. In order to earn dividends at the disclosed rate for Apex Cash, or to earn cash back on point of sale transactions using your VISA Debit Card for Apex Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle"). Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.













































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