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APY = Annual Percentage Yield. Rates and APYs accurate as of October 19, 2018.

Rates and rewards are variable and may change after account is opened.

Fees may reduce earnings. APR = Annual Percentage Rate. LTV = Loan To Value.


Kasasa Cash*Learn More

Tier Rate APY
$0 - $5,000 2.72% 2.75%
$5,000+ 0.15% 2.75% to 0.27%
Qualifications not met 0.05% 0.05%

Qualifications

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Kasasa Cash Back*Learn More

Tier Rate APY
$0 - $300 2.72% 2.75%

Qualifications

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.

Kasasa Saver*Learn More

Tier Rate APY
$0 - $5,000 0.996% 1.00%
$5,000+ 0.15% 0.50% to 0.17%
Qualifications not met 0.05% 0.05%

 

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Savings Accounts

Account Rate APY
Basic Savings 0.10% 0.10%
Club Accounts 0.10% 0.10%
HY Money Market ($2,500 - $24,999) 0.60% 0.60%
HY Money Market ($25,000 - $74,999) 0.70% 0.70%
HY Money Market ($75,000+) 0.80% 0.80%
IRA Shares 0.30% 0.30%

E-mail us for more information about account terms and fees.Rates are subject to change. Fees may reduce earnings.

Certificates of DepositLearn More

Term Rate APY
Save To Win CD 0.200% 0.200%
6 Months 1.342% 1.350%
1 Year 1.638% 1.650%
18 Months 1.736% 1.750%
2 Years 1.982% 2.000%
2 Year Jumbo* 2.080% 2.100%
3 Years 2.227% 2.250%
3 Year Jumbo* 2.325% 2.350%
4 Years 2.472% 2.500%
4 Year Jumbo* 2.570% 2.600%
5 Years 2.716% 2.750%
5 Year Jumbo* 2.813% 2.850%

Early withdrawal penalties may apply.

*Jumbo CDs require $50,000 or more to open.

Auto/Motorcycle Loans (Less Than 6 Model Years)Learn More

Term APR
Up to 36 Months 3.25% - 18.50%
37 - 48 Months 3.50% - 18.75%
49 - 60 Months 3.75% - 19.00%
61 - 72 Months 4.00% - 19.25%

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.

Auto/Motorcycle Loans (6–10 Model Years)Learn More

Term APR
Up to 36 Months 4.25% - 18.75%
37 - 48 Months 4.50% - 19.00%
49 - 60 Months 4.75% - 19.25%
61 - 72 Months 5.00% - 19.50%

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.

Recreation/Boat LoansLearn More

Term APR
Up to 60 Months 4.25% - 18.50%
61 - 72 Months 4.50% - 18.75%
73 - 120 Months 5.25% - 19.00%
121 - 144 Months 5.75% - 19.00%
145 - 180 Months 7.00% - 19.25%

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)Learn More

Type APR
Variable Rate (Tied to the Prime Rate) As Low As 5.25%

 

Minimum APR is 4.50%. Maximum APR is 18.00%.

*180 monthly payments of $7.91 per $1,000 borrowed. Contact HCU for closing costs/fees.

First MortgagesLearn More

Term Rate APR Points Payment (P&I)
10 Years 4.750% 4.961% .500% $1,572.72
15 Years 4.625% 4.772% .500% $1,157.10
20 Years 5.000% 5.117% .500% $989.93
30 Years 5.000% 5.086% .500% $805.23

 

*Figures based on purchase price of $187,500.00, with 20% down, and loan amount of $150,000.00

Fixed Rate, Closed-End Home EquityLearn More

Term APR
5 Years As Low As 5.75%
15 Years As Low As 5.75%

 

Contact HCU for closing costs/fees. Minimum initial loan balance of $5,000.00

*180 monthly payments of $8.31 per $1,000 borrowed.

Other (as of 07/26/18)

Type APR
Share Secured 5.60%
Revolving Credit 13.75%
All Other Closed End Loans 9.74% - 19.00%
Overdraft Protection 15.00%

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