In House Mortgage 1-4 Family
(Owner Occupied)
Rates accurate as of October 29, 2020
New & Used Auto/Motorcycle: 2017 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) | 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: 2014 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 | $29.74 | $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.
2014-2016 Used Auto/Motorcycle
| Terms (Up To) | 36 mos. | 48 mos. | 60 mos. | 72 mos. |
|---|---|---|---|---|
| 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.
2013 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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1.99% introductory rate for 12 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.
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| 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 Journal. 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. 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 12 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) | 2.99% | 3.49% | 3.90% |
| Monthly Payment per $1,000 | $17.96 | $9.88 | $7.35 |
| 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 |
|---|---|---|---|
| 2.88% | 2.91% | 30 yrs. | 95% LTV |
| 2.75% | 2.80% | 20 yrs. | |
| 2.50% | 2.56% | Up to 15 yrs | |
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Sample monthly payment - $100,000 at 2.91% APR for 30 years is approximately: $414.89
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Sample monthly payment - $100,000 at 2.80% APR for 20 years is approximately: $542.17
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| Sample monthly payment - $100,000 at 2.56% APR for 15 years is approximately: $666.79 | |||
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 |
|---|---|---|
| 3.24% | 10 yrs. | 80% LTV |
| 3.49% | 15 yrs. | 80% LTV |
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Sample monthly payment - $50,000 at 3.24% APR for 10 years is approximately: $488.36
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Sample monthly payment - $50,000 at 3.49% APR for 15 years is approximately: $357.20
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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 7.75% | 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. |
12 month balance transfer rate of 2.99% 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 2.99% 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% |
| 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 | 0.75% | 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 | $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 | 2.48% | 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 | |
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Kasasa® Cashback
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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 | 0.15% | 0.15% | 06-01-20 |
| $50,000 to $99,999 | 0.35% | 0.35% | 06-01-20 | |
| $100,000 to $249,999 | 0.50% | 0.50% | 06-01-20 | |
| Over $250,000 | 0.65% | 0.65% | 06-01-20 |
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 |
|---|---|---|---|---|
| 6 Months | $1,000 | 0.30% | 0.30% | 10-26-20 |
| 12 Months | $1,000 | 0.40% | 0.40% | 10-26-20 |
| 12 Month Jumbo | $100,000 | 0.45% | 0.45% | 10-26-20 |
| 18 Months | $1,000 | 0.50% | 0.50% | 10-26-20 |
| 24 Months | $1,000 | 0.60% | 0.60% | 10-26-20 |
| 24 Month Jumbo | $100,000 | 0.65% | 0.65% | 10-26-20 |
| 36 Months | $1,000 | 0.75% | 0.75% | 10-26-20 |
| 48 Months | $1,000 | 0.85% | 0.85% | 10-26-20 |
| 60 Months | $1,000 | 1.00% | 1.00% | 10-26-20 |
*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.
APY = Annual Percentage Yield. Rate may change after the account is opened. Fees may reduce earnings on the account.
*Qualification Information: 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 credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.50%; and and balances over $10,000 earn .20% interest rate on the portion of balance over $10,000, resulting in a range from .20% to 2.50% APY* depending on the account's balance. Kasasa Cash Back: 2% cash back on up to a total of $400.00 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 may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY of .75% and balances over $50,000 earn .20% interest rate on the portion of balance over $50,000, resulting in a range from .20% to .75% APY depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you are qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in Kasasa Cash account earn .05% APY*; all balances in Kasasa Saver account earn .05% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less that the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 07/01/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open a Kasasa account. Monthly Direct Deposit/ACH transaction/Bill Pay, 12 debit card purchase transactions, receipt of electronic statements are a condition of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or 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 representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
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