Web-Rates_687x250

Rates

Rates effective as of March 27, 2017

Vehicle Loans

New & Used Auto: 2012 and Newer (minimum amount for terms over 75 months is $25,000)

Terms (Up to):

36 mos. 48 mos. 66 mos. 75 mos. 84 mos.

Annual Percentage Rate (As low as):

1.99% 2.24% 2.59% 2.84% 4.24%
Monthly Payment per $1000: $28.64 $21.81 $16.28 $14.57 $13.79

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.

 

New & Used Boats/Campers/Cycles/ATV: 2012 and Newer (minimum amount over 75 months is $25,000)

 Terms (Up to):

36 mos. 48 mos. 66 mos. 75 mos. 84 mos. 120 mos. 180 mos.
Annual Percentage Rate (As low as): 2.99% 3.24% 3.59% 3.84% 5.24% 6.49% 6.99%
Monthly Payment per $1000: $29.08 $22.25 $16.73 $15.03 $14.25 $10.30 $7.91

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.

 

2008-2011 Auto/Cycle/Boat/Camper/RV/ATV/Tractor: 

 Terms (Up to): 36 mos. 48 mos. 60 mos. 72 mos.
Annual Percentage Rate (As low as): 3.49% 3.74% 3.99% 4.59%
Monthly Payment per $1000: $29.30 $22.47 $18.42 $15.92

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.

 

2007 and Older Auto/Cycle/Boat/Camper/RV/ATV/Tractor: 

 Terms (Up to): 36 mos. 48 mos. 60 mos.
Annual Percentage Rate (As low as): 3.74% 3.99% 4.24%
Monthly Payment per $1000: $29.42 $22.58 $18.53

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.

Real Estate Loans

Home Equity Loans

Home Equity Line of Credit

Index Margin Amount
*Prime +0% for Life of Loan $20,000 or more
(new money only)
Ten year draw period - 80% LTV
Floor 3% APR - Ceiling 15% APR
No closing costs unless mortgage is discharged for any reason within three years of the loan date.
*Prime +1% for Life of Loan $10,000 to $19,999
(new money & refinances of First Heritage debt)
Sample monthly payment—$10,000 at 7% APR for 10 years is approximately $100 (minimum 1% or $100 of the highest outstanding balance)

Rates above are current as of the date posted above and are subject to change without notice. *Prime rate is 4.00%APR as of 03/16/17.

 

Home Equity Closed End

Terms (Up to): 60 mos. 120 mos. 180 mos.

Annual Percentage Rate (As low as):

2.99% 3.74% 4.24%
Monthly Payment per $1000: $17.97 $10.01 $7.52
No closing costs unless mortgage is discharged for any reason within three years of the loan date.

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.

 

Collateral Mortgage

Terms (Up to): 60 mos. 84 mos. 120 mos.
Annual Percentage Rate(As low as): 5.49% 6.49% 7.49%
Monthly Payment per $1000: $19.10 $14.85 $11.87

Rates above are current as of the date posted above and are subject to change without notice.  Monthly payment based on a 30 Day Month.


 

Mortgage Financing

In House Mortgage 1-4 Family (Owner Occupied):

Annual Percentage Rate Approximate Terms Amount Other
4.25% 20 to 30 yrs. $25,000-$300,000 80% LTV
3.50% Up to 15 yrs $25,000-$300,000

Sample monthly payment - $50,000 at 4.25% APR for 30 years is approximately $246.08

Sample monthly payment - $50,000 at 3.50% APR for 15 years is approximately $357.53

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 Amount Other
3.49% 10 yrs. $25,000-$300,000 80% LTV
3.99% 15 yrs. $25,000-$300,000 80% LTV

Sample monthly payment - $50,000 at 3.49% APR for 10 years is approximately $494.29

Sample monthly payment - $50,000 at 3.99% APR for 15 years is approximately $369.70

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.

 

Homeowner's Advantage — Call Toll Free 1-877-266-7722

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

Credit Cards

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 8.50% 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

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 4.00%APR as of 3/16/17.

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. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Equal Housing Lender. NMLS ID 460887.

Other Loans

Fixed-Rate Loans

Signature Loan

Terms (Up to): 12 mos. 24 mos. 36 mos. 48 mos. 60 mos.

Annual Percentage Rate(As low as):

4.24% 5.24% 6.24% 7.24% 8.24%
Monthly Payment per $1000: $85.27 $43.99 $30.54 $24.07 $20.40

 Rates above are current as of the date posted above and are subject to change without notice. Monthly payment based on a 30 Day Month.

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 3.75%APR as of 12/15/16. Prime plus 3.00% is 6.75%APR.

Share Accounts

Share & Share Draft Accounts

Product Minimum Dividend Balance Dividend Rate Annual Percentage Yield (APY) Effective Date
Share Savings $100 0.10% 0.10% 03-01-14
IRA Share Savings $5 0.50% 0.50% 03-01-14
Kirby Kangaroo Savings $5 0.10% 0.10% 03-01-14
CU Succeed Savings $5 0.10% 0.10% 03-01-14
Holiday/Vacation Clubs $5 0.10% 0.10% 03-01-14
EZ Free Checking N/A -- -- 01-01-07
First Choice Checking N/A -- -- 02-01-11
Basic Checking N/A -- -- 02-01-11
55 & Better Free Checking N/A -- -- 02-01-11
CU Succeed Checking $5 0.25% 0.25% 01-01-13
Business Checking $5,000 0.25% 0.25% 01-01-13
Money Manager $2,500 to $49,999 0.20% 0.20% 03-01-14
Over $50,000 0.30% 0.30% 01-01-13

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.  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.


Share & IRA Share Certificate Accounts

Term Minimum Balance Dividend Rate Annual Percentage Yield (APY) Effective Date
6 Months $1,000 0.30% 0.30% 01-01-13
12 Months $1,000 0.40% 0.40% 01-01-13
18 Months $1,000 0.50% 0.50% 01-01-13
24 Months $1,000 0.60% 0.60% 01-01-13
36 Months $1,000 1.00% 1.01% 02-01-17
48 Months $1,000 1.50% 1.51% 02-01-17
60 Months $1,000 1.75% 1.76% 02-01-17
Summer Pay Certificate   0.35% 0.35% 06-19-12