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APY = Annual Percentage Yield. Rates and APYs accurate as of November 1, 2023.

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) 0.05% 0.05%
HY Money Market ($2,500 - $24,999) 1.15% 1.15%
HY Money Market ($25,000 - $74,999) 1.30% 1.30%
HY Money Market ($75,000 - $199,999) 1.40% 1.40%
HY Money Market ($200,000+) 1.50% 1.50%
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 (2025 - 2020**) Learn More

Term APR
Up to 36 Months As low as 4.49%
37 - 48 Months As low as 4.99%
49 - 72 Months As low as 6.24%
73 - 84 Months As low as 8.24%
85+ Months As low 9.24%

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 - 2019**) Learn More

Term APR
Up to 36 Months As low as 4.74%
37 - 48 Months As low as 5.24%
49 - 72 Months As low as 7.24%
73 - 84 Months As low as 8.99%
85+ Months As low as 9.74%

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 (2018 - 2005**) Learn More

Term APR
Up to 36 Months As low as 8.99%
37 - 48 Months As low as 9.24%

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 4.74%
37 - 48 Months As low as 5.24%
49 - 72 Months As low as 7.24%
73 - 84 Months As low as 8.99%
85+ Months As low as 9.74%

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 5.24%
37 - 48 Months As low as 5.49%
49 - 72 Months As low as 7.99%
73 - 84 Months As low as 9.24%
85+ Months As low as 9.49%

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.

 

 

Titled Recreational Vehicles (2015 - 2019) 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.

 

Boat and Motorhome Loans Learn More

Term APR
Up to 60 Months As low as 5.49%
61 - 84 Months As low as 7.24%
85 - 120 Months As low as 7.49%
121 - 180 Months As low as 8.24%

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 6.24%
37 - 48 Months As low as 6.49%
49 - 72 Months As low as 8.99%
73 - 84 Months As low as 9.24%
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.

 

Non-Titled Recreational Vehicles* (2015-2019) 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 7.25%
15 Years As Low As 7.74%

Other

Type APR
Share Secured 1.00% + High-yield Saving Rate
All Other Closed End Loans 8.99% - 18.00%
Overdraft Protection 15.00%

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