Savings Rates (As of 07/23/18)

Type APR APY
Regular Shares 0.100% 0.100%
Christmas & Vacation Club Accounts 0.100% 0.100%
HY Money Market $2,500 < $24,999 0.600% 0.60%
HY Money Market $25,000 < $74,999 0.700% 0.70%
HY Money Market $75,000 + 0.800% 0.80%
IRA Shares 0.300% 0.30%
for more information about account terms and fees.Rates are subject to change. Fees may reduce earnings. APY = Annual Percentage Yield

Certificate of Deposit Rates (As of 07/23/18)

Term APR APY
Save To Win CD 0.200% 0.20%
6 Month CD 1.193% 1.20%
1 Year CD 1.440% 1.45%
18 Month CD 1.539% 1.55%
2 Year CD 1.785% 1.80%
2 Year Jumbo* 1.884% 1.90%
3 Year CD 2.031% 2.05%
3 Year Jumbo* 2.129% 2.15%
4 Year CD 2.276% 2.30%
4 Year Jumbo* 2.374% 2.40%
5 Year CD 2.521% 2.55%
5 Year Jumbo* 2.618% 2.65%
* Jumbo CDs require $50,000 or more to open
Rates are subject to change. Early withdrawal penalties may apply. APR = Annual Percentage Rate APY = Annual Percentage Yield

Loan Rates

Term APR
≤ 36 Months 3.00% – 18.25% APR
37 – 48 Months 3.25% – 18.50% APR
49 – 60 Months 3.50% – 18.75% APR
61 – 72 Months 3.75% – 19.00% APR
Rates are subject to change.
APR = Annual Percentage Rate.
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Term APR
≤ 36 Months 4.00% – 18.50% APR
37 – 48 Months 4.25% – 18.75% APR
49 – 60 Months 4.50% – 19.00% APR
61 – 72 Months 4.75% – 19.25% APR
Rates are subject to change.
APR = Annual Percentage Rate.
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Term APR
≤ 60 Months 4.00% – 18.25% APR
61 – 72 Months 4.25% – 18.50% APR
73 – 120 Months 5.00% – 18.75% APR
121 – 144 Months 5.50% – 18.75% APR
145 – 180 Months 6.75% – 19.00% APR
Rates are subject to change.
APR = Annual Percentage Rate.
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Home Equity Line of Credit (HELOC) Rate:
APR
Variable Rate – tied to the Prime Rate – As Low As 5.000%*
(APR may vary. Minimum APR is 4.50%, Maximum APR is 18%)
* (180 monthly payments of $7.91 per $1,000 borrowed.) Contact HCU for closing costs/fees.
First Mortgage Rates:
as low as APR
10 Year 4.625%*
* (120 monthly payments of $10.43 per $1,000 borrowed)
15 year 4.500%
20 Year 4.750%
30 Year 4.875%
Fixed Rate, Closed-End Home Equity Rates:
5 Year As Low As 5.750%
15Year As Low As 5.750%
* (180 monthly payments of $8.31 per $1,000 borrowed)
Contact HCU for closing costs/fees.
Minimum initial loan balance of $5,000.00.
Rates are subject to change.
APR = Annual Percentage Rate
LTV = Loan To Value
Share Secured 5.60% APR
Revolving Credit 13.75% APR
All Other Closed End Loans 9.74% – 19.00% APR
Overdraft Protection 15.00% APR
Annual Percentage Rate for Purchases Annual Percentage Rate for Cash Advances Annual Percentage Rate for Balance Transfers Grace Period for Repayment of the Balance for Purchases Method of Computing the Balance for Purchases and Cash Advances
12.90% 12.90% 12.90% 25 days Average Daily balance (including new purchases)
Minimum Finance Charge Transaction Fee for Purchases Annual Fee
None None* None
Other Fees
One-Time Processing Fee …………………………..$ 5.00
Late Pmt Fee………………………………………………..$25.00
NSF Payment Fee ………………………………………..$10.00
*International Transaction Fee-the government mandated rate in effect for the applicable central processing date, plus a 1% currency conversion fee for international transactions when a currency conversion occurs or a 0.8% currency fee for international transactions when a currency conversion is not performed. These currency fees will appear as a separate line on your statement for each transaction completed in a foreign country.
Annual Percentage Rate for Purchases Annual Percentage Rate for Cash Advances Annual Percentage Rate for Balance Transfers Grace Period for Repayment of the Balance for Purchases Method of Computing the Balance for Purchases and Cash Advances
10.90% 10.90% 10.90% 25 days Average Daily balance (including new purchases)
Minimum Finance Charge Transaction Fee for Purchases Annual Fee
None None* None
Other Fees
One-Time Processing Fee …………………………..$ 5.00
Late Pmt Fee………………………………………………..$25.00
NSF Payment Fee ………………………………………..$10.00
*International Transaction Fee-the government mandated rate in effect for the applicable central processing date, plus a 1% currency conversion fee for international transactions when a currency conversion occurs or a 0.8% currency fee for international transactions when a currency conversion is not performed. These currency fees will appear as a separate line on your statement for each transaction completed in a foreign country.
Rates on new purchases are subject to change with 45 days notice.
APR = Annual Percentage Rate
NMLS #503928

Kasasa Cash (As of 07/23/18)

Balance Rate APY
Up to $5,000 2.7159% 2.75%
$5,000 and greater 0.05% 0.15%
Qualifications NOT met 0.05%
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
  • Have at least 12 debit card purchases post & settle
  • Receive free monthly e-statements
  • Access online banking at least 1 time per month

APY = Annual Percentage Yield

Kasasa Cash Back (As of 07/23/18)

Balance Rate APY
Up to $300.00 2.7159% 2.75%
Qualifications NOT met No reward
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:
  • Have at least 12 debit card purchases post & settle
  • Receive free monthly e-statements
  • Access online banking at least 1 time per month

APY = Annual Percentage Yield

Kasasa Saver (As of 07/23/18)

Balance Rate APY
Up to $5,000.00 1.00%
Over to $5,000.00  1.00% – 0.15%
To earn your rewards, simply do the following activities and transactions in your Kasasa Savings account monthly qualification cycle:
  • Have at least 12 debit card purchases post & settle
  • Receive free monthly e-statements
  • Access online banking at least 1 time per month

APY = Annual Percentage Yield