Auto Loans - Click Here to Apply

Model Year Term APR* Repayment Term per Thousand
2009-2013
2007-2008		 2 Years 1.75%
7.75%		 $42.43
$45.14
2009-2013
2007-2008		 3 Years 1.75%
7.75%		 $28.53
$31.24
2009-2013
2007-2008		 4 Years 1.75%
7.75%		 $21.59
$24.30
2009-2013 5 Years 2.75% $17.86
2011-2012 6 Years 5.75% $16.46
NEW ONLY 6 Years 4.75% $15.99

*Your actual rate may be higher based on your credit history.  Rates shown are for 90% financing of sales price less rebates, dealer incentives, tax, warranty, etc and require direct deposit.  1.75% rate is for loan amounts over $10,000 and cannot be used to refinance an existing HFCU loan. Rates require direct deposit and are subject to change without notice.

Personal Loans  - Click Here to Apply
Product Term APR* Repayment Term per Thousand
Personal
Unsecured Loans
(up to $25,000)		 2 Years
3 Years
4 Years
5 Years		 10.5%
12.0%
13.5%
14.5%		 $46.40
$33.23
$27.08
$23.52
KWIK KASH
Line of Credit 		Revolving 16.00% N/A
*Your actual rate may be higher based on your credit history and requires direct deposit.  Rates subject to change without notice.
VISA Disclosure Information - Click Here to Apply
VISA Classic Card 13.9% Annual Percentage Rate (APR)
$500 Minimum
VISA Gold Card 11.9% Annual Percentage Rate (APR)
$5,000 Minimum
 VISA Platinum Card  9.9% Annual Percentage Rate (APR)
$5,000 Minimum 
Grace period for repayment of the balance for purchases
Grace period for the repayment of cash advances		 25 Days
0 Days
Method of computing the balance for purchases Average Daily Balance (Including New Purchases)
Annual Fees NONE
Late Payment Fees $20.00
Over-the-Credit- Limit Fee $25.00

Please contact a Member Service Representative for additional information at 860-527-6663.

Home Equity Loan  - Click Here to Apply
Term     Loan amount greater than $50,000 Repayment Term per thousand Fee

 10-Year Special 

     3.25% APR* $9.77

      NONE

Term Loan amount less than $25,000 Repayment Term per thousand Loan amount greater than $25,000 Repayment Term per thousand Fee
5 Years 3.99% APR* $18.41 2.99% APR* $17.96 NONE
10 Years 4.99% APR* $10.60 4.25% APR* $10.24 NONE
15 Years 5.75% APR* $8.30 4.99% APR* $7.90 NONE
*Loan-to-value ratio 80% or less.  Property insurance must be maintained throughout the loan term.  Other rates and terms available up to 15 years.  Rate may be higher based on credit history and requires direct deposit.  Rates subject to change without notice.
Home Equity Line of Credit  - Click Here to Apply
Term Rate Fee
10-year draw period
15-year repayment period interest-only payments during draw period. 		Prime Rate is 3.25% APR* NONE

*Annual Percentage Rate is variable and based on the Wall Street Journal prime rate. Prime rate is effective as of 5/4/2012 and is adjusted monthly. Your actual rate may be slightly higher based on your credit history. The maximum Annual Percentage Rate is 18% and the minimum rate is 3%. The term is 25 years with the first 10 years being the draw period. The minimum monthly payment is interest only during the draw period. Lines available up to 80% loan-to-value. Owner occupied 1-4 family qualifying Connecticut properties only. Property insurance required. Rate requires direct deposit and is subject to change without notice. There are no application or annual fees!

Mortgages    
Term  Points

APR*

Rate                                                                

 5-Year ARM

 0 pts.

 2.95% APR*

 2.75%

1- and 3-year ARM also available

Please call either 860-527-6663, 860-761-0080,
860-644-0200 or 860-651-1400

Fixed Rate Mortgages - Up to 30 Years

 Please call either 860-527-6663, 860-761-0080, 860-644-0200 or 860-651-1400

Low Closing Costs.  No Prepayment Penalties. 

  

*Rates start at 2.75% with a 2.95% APR. The five-year Adjustable Rate Mortgage rate is based on a 30-year loan with no points and a current index of .19% as of 8/21/12 with a monthly payment of $4.08 per thousand borrowed. Rate adjustments will occur annually after year five and will be based on the weekly average yield of U.S. Treasury securities, adjusted to a constant maturity of one year plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year or 6% over the life of the loan. Loan-to-value ratio over 80% requires Private Mortgage Insurance. This rate is for conventional owner occupied 1-4 family properties in Connecticut for loan amounts between $200,000 and $417,000. Please call for other loan amounts. Rate will be 0.125% higher without direct deposit. Application fee of $275 required. Rates may be higher based on your credit history. Rates subject to change without prior notice.