Loan Rates

Auto Loans - NEW
Term APR* Repayment Term per Thousand
1 Year 4.99% $85.60
2 Years 4.99% $43.87
3 Years 4.99% $29.97
4 Years 4.99% $23.02
5 Years 5.25% $18.99
6 Years 5.49% $16.33
7 Years 5.49% $14.37

*Annual Percentage Rate (APR). Actual rate may be higher based on credit history. Newer model auto loan rates are for vehicles from the current year or previous year with 7,500 miles or less. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.

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Auto Loans - USED
Term APR* Repayment Term per Thousand
1 Year 4.99% $85.60
2 Years 4.99% $43.87
3 Years 4.99% $29.97
4 Years 5.25% $23.14
5 Years 5.50% $19.10
6 Years 5.75% $16.46
7 Years 5.99% $14.60

*Annual Percentage Rate (APR). Actual rate may be higher based on credit history. Used auto loan rates are for model years 2018 or newer. Maximum mileage for used auto loan rate is 125,000 miles.  Over 125,000 miles will default to the classic auto loan rate and terms. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.

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Auto Loans - CLASSIC
Term APR* Repayment Term per Thousand
1 Year 9.00% $87.45
2 Years 9.00% $45.68
3 Years 9.00% $31.80
4 Years 9.50% $25.12
5 Years 9.50% $21.00

*Annual Percentage Rate (APR). Actual rate may be higher based on credit history. Classic auto loan rates are for model years 2017 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.

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Auto Loans Terms Available
Vehicle Year Maximum Term
2022 - 2024 7 Years
2020 - 2021 7 Years
2018 - 2019 6 Years
2017 & Older (Classic) 5 Years

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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		 11.00%
11.50%
12.50%
13.50%		 $46.61
$32.98
$26.58
$23.01
KWIK KASH
Line of Credit		 Revolving 16.00% 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. Maximum loan is $25,000 per signer.

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HFCU VISA Credit Cards
VISA Classic Card 18.00% Annual Percentage Rate will vary with the market based on the Prime Rate.
$500 Minimum
VISA Gold Card 16.65% Annual Percentage Rate will vary with the market based on the Prime Rate.
$5,000 Minimum
VISA Platinum Card 14.74% 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.

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Mortgage Refinance - Home Equity Loan Special
Term Loan amount greater than $75,000 Repayment term per thousand Fee
15-Year Special 5.261% APR* $8.01

$299 Intent to Proceed Fee
$700 Closing Fee
20-Year Special 5.579% APR* $6.92 $299 Intent to Proceed Fee
$700 Closing Fee

*Annual Percentage Rate (APR) is based on a $250,000 loan. Sample monthly payment for a 15-year term at 5.261% annual percentage rate is $8.01 per thousand borrowed, and a 20-year term at 5.579% annual percentage rate is $6.92 per thousand borrowed. Includes a 1% discount for direct deposit. Property insurance must be maintained throughout the loan term; flood insurance may also be required. Special rate is for first-lien position loans. Rate may be higher based on credit history. Minimum loan amount for special rate is $75,000. Non-refundable fee of $299 is due at the time of the intent to proceed. Closing costs for the Home Equity Specials are $700. Other rates and terms are available.

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Home Equity Loan: L-T-V 80% or less
Term Standard Rates Repayment term per thousand Loan amount greater than $50,000 Repayment term per thousand Fee**
5-Year 6.75% APR* $19.92 5.99% APR* $19.33 NONE
10-Year  6.99% APR* $12.13 5.99% APR* $11.10 NONE
15-Year  6.99% APR* $9.84

6.25% APR*

 $8.57 NONE

*Annual Percentage Rate (APR).  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 Loan: L-T-V over 80%
Term L-T-V
81% - 90%		 Repayment term per thousand L-T-V
91% - 100%		 Repayment term per thousand Fee**
5 Years Call For Rate Call For Term Call For Rate Call For Term Call For Fees
10 Year Call For Rate Call For Term Call For Rate Call For Term Call For Fees

For Home Equity Loans with Loan-to-Value above 80%, please call Racquel Finello at 860•527•6663 ext. 215 for rates and additional information. 

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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 8.00% APR* NONE

*Annual Percentage Rate (APR) is variable and based on the Wall Street Journal prime rate. Prime rate is effective as of 10/01/2024 and is adjusted monthly. Your actual rate may be 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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