All Rates

Your Credit Union now finances 100% of the invoice price plus tax, tag and title on new automobiles for up to 72 months. Your Credit Union will also finance used automobiles according to the NADA Retail value up to 60 months. The length of time financed on used colateral will be determined by the age of the vehicle and is at the discretion of the approving loan officers. For current rates, go to our Loan Rates page or contact a Loan Department representative today at 850.857.4328 (HFCU). Loan Calculator.

Loan Type Term/Months APR
M.O.T.O.R.    
New and Used Cars and Boats 12 2.99%
New and Used Cars and Boats 24 2.99%
New and Used Cars and Boats 36 2.99%
New and Used Cars and Boats 48 2.99%
New and Used Cars and Boats 60 2.99%
New and Used Cars and Boats 72 3.99%
New and Used Boats and RV's 84 4.74%
New and Used Boats and RV's 96 5.99%
New Boats and RV's 120 6.49%
New Boats and RV's 144 6.74%
Unsecured    
Personal   8.65%
Credit Cards    
VISA Gold   10.90%
VISA Classic   12.90%
*APR = Annual Percentage Rate    

Your Credit Union now finances 100% of the invoice price plus tax, tag and title on new automobiles for up to 72 months. Your Credit Union will also finance used automobiles according to the NADA Retail value up to 60 months. The length of time financed on used autos will be determined by the age of the vehicle and is at the discretion of the approving loan officers. For current rates, go to our Loan Rates page or contact a Loan Department representative today at 850.857.4328 (HFCU). Loan Calculator.

Account TypeDividend RateAPY*Minimum Deposit
Shares      
Regular 0.15% 0.15% $ 5
Share Draft 0.00% 0.00% $ 0
Christmas Club

0.15%

0.15% $ 0
TMA 0.30% 0.30% $ 5
Certificates      
3 Months 0.30% 0.30% $500
6 Months 0.35% 0.35% $500
12 Months 0.55% 0.55% $500
15 Months 0.55% 0.55% $500
18 Months 0.80% 0.80% $500
24 Months 0.90% 0.90% $500
30 Months 0.90% 0.90% $500
36 Months 1.10% 1.11% $500
*APY = Annual Percentage Yield      

Share Accounts are variable rate accounts and rates are subject to change without notice after the accounts are opened

Fees may reduce earnings on share accounts

Early withdrawal penalties may apply on Certificate accounts

Certificate rates are accurate as of 6/30/2015

Share account APYs are effective as of 6/30/2015

 

Your Credit Union now finances 100% of the invoice price plus tax, tag and title on new automobiles for up to 72 months. Your Credit Union will also finance used automobiles according to the NADA Retail value up to 60 months. The length of time financed on used autos will be determined by the age of the vehicle and is at the discretion of the approving loan officers. For current rates, go to our Loan Rates page or contact a Loan Department representative today at 850.857.4328 (HFCU). Mortgage Calculator.

Loan Type Term    
Mortgage      
Fixed Rate First Mortgage 10/15/30-year    
2nd Mtg. 12 years fixed    
Adjustable Rate Mortgage 5/1, 7/1 and 10/1 ARM 30-year Amortization    
Construction to Perm Interest only up to 12 months, ONE TIME CLOSE - 15/30 fixed or ARM  

 

Lots Up to 5 acres 5/1 ARM 15 year Amortization    
Land  12 yr. fixed    
       
Business/Commercial Call our Business Loan Dept for options and rates    
       
       

Rural Development, VA, FHA  are available

 

 Please call for terms and rates

 

   
 

 NOTE: Rates, terms and approvals are based on the program, personal credit scores

and other underwriting criteria. Rates ae subject to chang. Harvesters Federal Credit Union

is a Member NCUA and an Equal Housing Lender.