Loan Rates

Auto Loans
Model Year Term APR* Repayment Term per Thousand
2013-2017
2011-2012
2 Years 1.99%
1.99%
$42.54
$42.54
2013-2017
2011-2012
3 Years 1.99%
1.99%
$28.64
$28.64
2013-2017
2011-2012
4 Years 2.49%
2.75%
$21.91
$22.02
2013-2017 5 Years 2.49% $17.74
2013-2017 6 Years 3.25% $15.31
2015-2017 7 Years 3.75% $13.55

*Annual Percentage Rate (APR). Your actual rate may be higher based on your credit history.  Minimum loan amount for 1.99% and 2.49% is $10,000. Minimum loan amount for 3.25% and 3.75% is $20,000. Other terms available. Displayed rates cannot be used to refinance an existing HFCU loan. Rates includes a 1% discount for direct deposit and are subject to change without notice.

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Personal Loans
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 16.0% N/A

*Annual Percentage Rate (APR). Your actual rate may be higher based on your credit history and requires direct deposit.  Rates subject to change without notice.

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VISA Disclosure Information
VISA Classic Card 14.74% Annual Percentage Rate will vary with the market based on the Prime Rate.
$500 Minimum
VISA Gold Card 12.65% Annual Percentage Rate will vary with the market based on the Prime Rate.
$5,000 Minimum
VISA Platinum Card 10.74% Annual Percentage Rate will vary with the market based on the Prime Rate.
$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 $25.00
Over-the-Credit Limit Fee $25.00

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

*Annual Percentage Rate (APR). Rates subject to change without notice.

Apply Now  Classic Disclosure     Gold Disclosure   Platinum Disclosure

Home Equity Loan
Term Loan amount greater than $25,000 Repayment term per thousand Loan amount greater than $50,000 Repayment term per thousand Fee**
5-Year Special 2.99% APR* $17.96 2.99% APR* $17.96 NONE
10-Year Special 4.25% APR* $10.24 3.75% APR* $10.01 NONE
15-Year Special 4.99% APR* $ 7.90 

4.50% APR*

$  7.65 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 3.99% APR* $18.41 NONE
10 Years 4.99% APR* $10.60 4.99% APR* $10.60 NONE
15 Years 5.75% APR* $  8.30 5.75% APR* $  8.30 NONE

*Annual Percentage Rate (APR). Loan-to-value ratio 80% or less.  Property insurance must be maintained throughout the loan term.  Special rates are for new loans only. Other rates and terms available up to 15 years.  Rate may be higher based on credit history. Special rates include a 1% discount for direct deposit.  Rates subject to change without notice.

**If loan is paid off within one year, reimbursement of appraisal fee and closing cost is required.

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Home Equity Line of Credit
Term Rate Fee**
10-year draw period
15-year repayment period interest-only payments during draw period.
Prime Rate is 4.0% APR* NONE

*Annual Percentage Rate (APR) is variable and based on the Wall Street Journal prime rate. Prime rate is effective as of 3/27/2017 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 includes a 1% discount for direct deposit and is subject to change without notice.There are no application or annual fees!

**If line of credit is closed within one year, reimbursement of appraisal fee and closing costs fee is required.

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Mortgages
Term Points APR* Rate
5-Year ARM 0 pts. 3.73% APR(1) 3.25%
7-Year ARM 0 pts. 3.78% APR(2) 3.50%

1- and 3-year ARMs also available.

Please call either 860•527•6663, 860•761•0080, 860•644•0200, 860•651•1400 or 860•666•1444.

Low Closing Costs. No Prepayment Penalties.

(1)Rate starts at 3.25% with an Annual Percentage Rate (APR) of 3.73%. The five-year Adjustable Rate Mortgage rate is based on a 30-year loan with no points and a current index of 1.02% as of 4/27/17 with a fully-indexed monthly payment of $4.62 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 and 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 $125,000 and $199,999. Please call for other loan amounts. Rate includes a 0.125% discount for direct deposit. Application fee of $275 (single-family property) required. Rates may be higher based on your credit history. Rates subject to change without prior notice.

(2)Rate starts at 3.50% with an Annual Percentage Rate (APR) of 3.78%. The seven-year Adjustable Rate Mortgage rate is based on a 30-year loan with no points and a current index of 1.02% as of 4/27/17 with a fully-indexed monthly payment of $4.65 per thousand borrowed. Rate adjustments will occur annually after year seven 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 and 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 $125,000 and $199,999. Please call for other loan amounts. Rate includes a 0.125% discount for direct deposit. Application fee of $275 (single-family property) required. Rates may be higher based on your credit history. Rates subject to change without prior notice.