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Rates accurate as of October 17, 2018
New & Used Auto/Motorcylce: 2015 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.
Annual Percentage Rates (As low as) 3.24% 3.49% 3.74% 3.99% 4.99%
Monthly Payment per $1,000  $29.19  $22.36 $16.79  $15.09  $14.14 

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: 2012 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.
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 $29.75   $22.92 $17.36  $15.72   $14.49 $11.48  $9.27 

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.

2012-2014 Used Auto/Motorcycle
Terms (Up To) 36 mos. 48 mos. 60 mos. 72 mos.
Annual Percentage Rates (As low as) 3.74% 3.99% 4.24% 4.49%
Monthly Payment per $1,000 $29.42
 $22.58 $18.53  $15.88

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.

2011 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) 5.99% 6.24% 6.74%
Monthly Payment per $1,000  $30.43 $23.60  $19.69

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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1.99% introductory rate for 6 months!**

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.
Variable rate loan.  Property insurance is required.

Rates above are current as of the date posted above and are subject to change without notice. APR = Annual Percentage Rate.
*Prime rate is as published in the Wall Street JournalThe 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. Not all applicants will qualify for the lowest rate. Minimum amount to finance is $10,000. New money only. **1.99% introductory rate valid for 6 months. After introductory period rate will revert to a variable rate based on prime. Other rates and terms available.



Home Equity Closed End

Terms (Up To) 60 mos. 120 mos. 180 mos.
Annual Percentage Rates (As low as) 3.49% 4.49% 5.24%
Monthly Payment per $1,000  $18.19  $10.37 $8.04 
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


In House Mortgage 1-4 Family
(Owner Occupied)

Interest Rate APR Approximate Terms Other
4.75% 4.785%  30 yrs. 95% LTV
4.625% 4.672% 20 yrs.
4.375% 4.435%  Up to 15 yrs
Sample monthly payment - $100,000 at 4.785% APR for 30 years is approximately: $528.85
Sample monthly payment - $100,000 at 4.672% APR for 20 years is approximately: $641.97
Sample monthly payment - $100,000 at 4.435% APR for 15 years is approximately: $761.65

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.


Time Saver Mortgage

Annual Percentage Rate Approximate Terms Other
4.24% 10 yrs. 80% LTV
4.74% 15 yrs. 80% LTV
Sample monthly payment - $50,000 at 4.24% APR for 10 years is approximately: $512.04

Sample monthly payment - $50,000 at 4.74% APR for 15 years is approximately: $388.76 

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 9.75% 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. 

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.



Fixed-Rate Loans


Signature Loan

Terms (Up to) 12 mos. 24 mos. 36 mos. 48 mos. 60 mos.
Annual Percentage Rate (As low as) 5.74% 6.74% 7.74% 8.49% 8.74%
Monthly Payment per $1,000  $85.95  $44.66 $31.22  $24.65  $20.64 

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%
Share Secured Share Rate + 3.00%
Certificate Secured Share Certificate Rate + 3.00%

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.

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 0.10% 0.10% 01-01-18
Kasasa® Saver* Up to $50,000 0.995% 1.00% 01-01-18
Portion of Balance over $50,000  0.30% 0.30%  01-01-18
Qualifications Not Met   0.05% 0.05%  01-01-18
IRA Share Savings $5 0.50% 0.50% 01-01-18
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 2.96% 3.00% 01-01-18
Portion of Balance Over $10,000 0.30% 0.30% 01-01-18
Qualifications Not Met 0.05% 0.05% 01-01-18
Kasasa® Cashback
N/A -- -- 01-01-18
Heritage Checking N/A

 01-01-18
First Choice Checking N/A

01-01-18
CU Succeed Checking $5 0.25% 0.25% 01-01-18
Business Checking $5,000 0.25% 0.25% 01-01-18
Money Manager $2,500 to $49,999 0.25% 0.25% 06-01-18
$50,000 to $99,999 0.40% 0.40% 06-01-18
$100,000 to $249,999 0.60% 0.60% 06-01-18
Over $250,000 0.70% 0.70% 06-01-18

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

 
36 MONTH CERTIFICATE SPECIAL
Grow your savings with a 36 month certificate! Earn 2.28% APY. APY = Annual Percentage Yield. Membership eligibility required. Ask a representative for further information about applicable fees and terms. $1,000 minimum opening deposit required. Penalties may be imposed for early withdrawal. Limited time offer. Offer may be withdrawn at any time. Federally insured by NCUA.

*APY = Annual Percentage Yield. Membership eligibility required. Ask a representative for further information about applicable fees and terms. $1,000 minimum opening deposit required. Penalties may be imposed for early withdrawal. APY is accurate as of 09/11/18. Limited time offer. Offer may be withdrawn at any time. Federally insured by NCUA.

 
 
Share IRA & Share Certificate Accounts 
Term Minimum Balance Dividend Rate Annual Percentage Yield (APY) Effective Date 
6 Months $1,000 0.60% 0.60%  07-01-18 
12 Months $1,000 0.80%  0.80% 07-01-18
18 Months $1,000 0.90%  0.90% 07-01-18 
24 Months $1,000 1.00% 1.00%  07-01-18 
36 Months $1,000 1.39% 1.40% 06-01-18 
48 Months $1,000 1.74%  1.75% 06-01-18 
60 Months $1,000 1.98%  2.00% 06-01-18 
Summer Pay Certificate $1,000 0.35%  0.35% 06-19-12 
A penalty will be imposed for early withdrawal.
*APY = Annual Percentage Yield
This credit union is federally insured by the National Credit Union Administration.
 
 

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.


Kasasa Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash: balances up to and including $10,000 receive an APY of 3.00%; and balances over $10,000 earn a dividend rate of .30% on the portion of balance over $10,000, resulting in a range from 3.00% to .30% APY depending on the account's balance.

Kasasa Cash Back: you will receive 2.00% cash back on up to a total of $400 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: balances up to and including $50,000 in your Kasasa Saver account earn an APY of 1.00% and balances over $50,000 earn a dividend rate of .30% on the portion of the balance over $50,000, resulting in a range from 1.00% to .30% APY depending on the account's balance.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.


Additional Information for Kasasa:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Limit of one account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.


Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.