APY = Annual Percentage Yield. Rates and APYs accurate as of September 1, 2024.
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 - $10,000 | 4.8889% | 5.00% |
| $10,000+ | 0.1500% | 5.00% to 0.59% |
| 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 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
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 - $200 | 4.50% | 4.50% |
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 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
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 - $10,000 | 1.9819% | 2.00% |
| $10,000+ | 0.1500% | 2.00% to 0.32% |
| 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 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
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 | 0.05% | 0.05% |
| Club Accounts | 0.05% | 0.05% |
| HY Money Market ($1.00 - $2,499.99) | 0.050% | 0.05% |
| HY Money Market ($2,500 - $24,999) | 1.736% | 1.75% |
| HY Money Market ($25,000 - $74,999) | 1.835% | 1.85% |
| HY Money Market ($75,000 - $199,999) | 1.982% | 2.00% |
| HY Money Market ($200,000+) | 1.982% | 2.00% |
| IRA Shares | 0.05% | 0.05% |
E-mail us for more information about account terms and fees.Rates are subject to change. Fees may reduce earnings.
Certificates of Deposit Learn More
| Term | Rate | APY |
|---|---|---|
| 6 Months | 2.813% | 2.850% |
| 1 Year | 2.911% | 2.950% |
| 18 Months | 3.008% | 3.050% |
| 2 Years | 3.057% | 3.100% |
| 2 Year Jumbo* | 3.106% | 3.150% |
| 3 Years | 2.862% | 2.900% |
| 3 Year Jumbo* | 2.911% | 2.950% |
| 4 Years | 2.959% | 3.000% |
| 4 Year Jumbo* | 3.008% | 3.050% |
| 5 Years | 3.057% | 3.100% |
| 5 Year Jumbo* | 3.105% | 3.150% |
Early withdrawal penalties may apply.
*Jumbo CDs require $50,000 or more to open.
Auto/Motorcycle (2026 - 2021**) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.64% |
| 37 - 48 Months | As low as 5.14% |
| 49 - 72 Months | As low as 6.39% |
| 73 - 84 Months | As low as 8.39% |
| 85+ Months | As low 9.39% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000+loan amount.
*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 (2020 - 2016**) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.89% |
| 37 - 48 Months | As low as 5.39% |
| 49 - 72 Months | As low as 7.39% |
| 73 - 84 Months | As low as 9.14% |
| 85+ Months | As low as 9.89% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*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 (2015 - 2006**) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 9.14% |
| 37 - 48 Months | As low as 9.49% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*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.
Classic Auto/Motorcycle Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.89% |
| 37 - 48 Months | As low as 5.39% |
| 49 - 72 Months | As low as 7.39% |
| 73 - 84 Months | As low as 9.14% |
| 85+ Months | As low as 9.89% |
Requires proof of value & full-coverage insurance.
Minimum collateral value of $15,000.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*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.
Titled Recreational Vehicles (2025- 2020) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.49% |
| 37 - 48 Months | As low as 5.74% |
| 49 - 72 Months | As low as 8.24% |
| 73 - 84 Months | As low as 9.49% |
| 85+ Months | As low as 9.74% |
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.
Titled Recreational Vehicles (2019 - 2015) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.74% |
| 37 - 48 Months | As low as 5.99% |
| 49 - 72 Months | As low as 8.49% |
| 73 - 84 Months | As low as 9.74% |
| 85+ Months | As low as 9.99% |
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.
Boat and Motorhome Loans Learn More
| Term | APR |
|---|---|
| Up to 60 Months | As low as 5.74% |
| 61 - 84 Months | As low as 7.49% |
| 85 - 120 Months | As low as 7.74% |
| 121 - 180 Months | As low as 8.49% |
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.
Non-Titled Recreational Vehicles* (2025-2020) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 6.49% |
| 37 - 48 Months | As low as 6.74% |
| 49 - 72 Months | As low as 9.24% |
| 73 - 84 Months | As low as 9.49% |
| 85+ Months | As low as 9.99% |
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.
Non-Titled Recreational Vehicles* (2019-2015) Learn More
| Term | APR |
|---|---|
| Up to 36 Months | As low as 6.49% |
| 37 - 48 Months | As low as 6.74% |
| 49 - 72 Months | As low as 9.24% |
| 73 - 84 Months | As low as 9.49% |
| 85+ Months | As low as 9.99% |
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
| Term | APR |
|---|---|
| 80% Loan to Value | As low as Prime Rate - 0.75% |
| 81-90% Loan to Value | As low as Prime Rate - 0.25% |
| 91-100% Loan to Value | As low as Prime Rate + 2.25% |
Minimum APR is as low as 7.75%. Maximum APR is 18.00%.
Contact HCU for closing costs/fees.
First Mortgages Learn More
See our Mortgage page or call us to see how we can save you money on your mortage.
Fixed Rate, Closed-End Home Equity Learn More
| Term | APR |
|---|---|
| 5 Years | As Low As 7.5% |
| 15 Years | As Low As 8% |
Other
| Type | APR |
|---|---|
| Share Secured | 1.00% + High-yield Saving Rate |
| All Other Closed End Loans | 7% - 18.00% |
| Overdraft Protection | 15.00% |
