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Loans
Loan Products Terms APR* Personal Loan
12 months 7.24%1 Apply Now 24 months 7.24%1 Apply Now 36 months 7.24%1 Apply Now 48 months 9.24%1 Apply Now 60 months 9.74%1 Apply Now Rates are accurate as of 8/15/2024 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Term APR* Apply Now New Auto/Truck
36 months 5.25%1 Purchase 48 months 5.50%1 Purchase 60 months 5.75%1 Purchase 72 months 6.25%1 Purchase 84 months 7.25%1 Purchase Used Auto/Truck
36 months 6.00%1 Purchase Refinance 48 months 6.25%1 Purchase Refinance 60 months 6.50%1 Purchase Refinance 72 months 7.25%1 Purchase Refinance 84 months 8.25%1 Purchase Refinance Rates are accurate as of 10/1/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Rate Type APR* VISA® Cash Wave
Variable 17.74%1
18.00%1 or
18.00%1Apply Now Rates are accurate as of 7/26/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Certain restrictions and promotional terms may apply.Visa Platinum Plus Rate
Rate Type APR* VISA® Platinum Plus
Fixed 8.50%1 Apply Now Rates are accurate as of 1/1/2017 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Rate Type APR* Line of Credit
Fixed 15.00%1 Apply Now Rates are accurate as of 10/1/2022 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Mortgage Product Term Rate Type Points Rate APR* 1st Mortgage
5/5 ARM Adjustable 2.00 5.125% 5.649% Apply Now 15/15 ARM Adjustable 2.00 5.125% 5.292% Apply Now 30 Year Fixed 2.00 5.125% 5.338% Apply Now 20 Year Fixed 2.00 5.125% 5.413% Apply Now 15 Year Fixed 2.00 5.125% 5.491% Apply Now 5/1 ARM Adjustable 2.00 5.125% 6.557% Apply Now Rates are accurate as of 9/5/2024 and subject to change without prior notice. Examples based on loan amount up to $970,800. If you have any questions or need current rate information, please contact us. NMLS #421550.
* APR = Annual Percentage RateMortgage Product Term Rate Type APR* Home Equity
(HELOC) 325 Years Fixed/Variable 6.25% Fixed/2 Years1
6.50% Fixed/3 Years1
6.75% Fixed/5 Years1
9.00% Variable Rate1
(Up to 80% loan-to-value, owner-occupied)Apply Now Investor Heloc (HELOC) 3
15 Years Variable 8.50% Variable Rate1
(Up to 70% loan-to-value, non-owner occupied)Apply Now Rates are accurate as of 9/6/2024 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us. NMLS #421550.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
3 Rate adjusts January 1st and July 1st.Green Loan Rate
Mortgage Product Term Rate Type APR* Green Loan 4
12 Years Fixed for the first 24 months 5.99%1
(7.13% APR)Apply Now Rates are accurate as of 9/1/24 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us. NMLS #421550.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.
4 Must be a homeowner.Secured Loan
Product Term APR* Certificate Secured
Certificate Term 2.50% over dividend rate Contact Us Share Secured
Up to 144 months 2.50% over dividend rate Contact Us -
Certificates
Special Certificate Rates
Special Certificate** Min. Balance to Earn Stated APY APY* Regular 6-Month
$1,000.00 4.75% Contact Us Open Online
Log-in to Online BankingRegular 9-Month
$1,000.00 4.50% Contact Us Open Online
Log-in to Online BankingIRA 9-Month
$1,000.00 4.50% Contact Us Open Online
Log-in to Online Banking*APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 9/10/2024 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
**While supplies last. $1,000 minimum balance for the 6-Month and 9-Month Special Certificates. Offer, terms, and rates are subject to change without notice.Regular Certificate Rates
Regular Certificates Min. Balance to Earn Stated APY APY* 6 to 11 months
$500.00 1.50% Contact Us 12 to 17 months
$500.00 2.75% Contact Us 18 to 23 months
$500.00 2.75% Contact Us 24 to 29 months
$500.00 2.75% Contact Us 30 to 35 months
$500.00 2.75% Contact Us 36 to 47 months
$500.00 2.75% Contact Us 48 to 59 months
$500.00 2.50% Contact Us 60 months
$500.00 2.50% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 2/13/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
IRA Certificates
IRA Certificates Min. Balance to Earn Stated APY APY* 12 to 17 months (IRA)
$500.00 2.75% Contact Us 18 to 23 months (IRA)
$500.00 2.75% Contact Us 24 to 29 months (IRA)
$500.00 2.75% Contact Us 30 to 35 months (IRA)
$500.00 2.75% Contact Us 36 to 47 months (IRA)
$500.00 2.75% Contact Us 48 to 59 months (IRA)
$500.00 2.50% Contact Us 60 months (IRA)
$500.00 2.50% Contact Us * APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the Certificate. Unless otherwise paid, dividends for all Certificates will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of 2/13/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
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Savings
Savings Rates
Account Name Min. Balance to Earn Dividends APY* Savings
$100.00 0.07% Open Now Checking
$0 0.03% Open Now Warrior Savings**
$0 - $50,000 1.00% Open Now Portion of balances over $50,000 0.07% Open Now Christmas Club***
$0 0.40% Contact Us Special Savings
$0 0.07% Contact Us IRA Savings
$0 0.30% Contact Us Money Market
$0 - $9,999 0.10% Open Now $10,000 - $24,999 0.15% Open Now $25,000 - $99,999 0.30% Open Now $100,000 - $199,999 0.50% Open Now $200,000 and more 0.50% Open Now Stack Up Savings
$50,000-$99,999 1.25% Open Now $100,000-$249,999 1.50% Open Now $250,000-$499,999 1.75% Open Now $500,000 and more 2.00% Open Now *APY = Annual Percentage Yield. Dividends are credited and compounded monthly. This schedule is incorporated as a part of your account agreement with the UHFCU. Minimum balance requirements apply to daily balance. Rates are subject to change at any time as determined by the Board of Directors. Rates are accurate and effective as of 11/1/2022 and are subject to change without prior notice. Fees or other conditions could reduce the earnings on the account. If you have any questions or need current rate information, please call (808) 983-5500 or contact us through our Contact Us page.
**For Warrior Savings accounts, $500 minimum balance to open. Minimum and maximum balance requirements apply to daily balance. Dividends compounded and credited monthly. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.
*** For Christmas Club accounts, the entire balance, minus the required minimum opening deposit, will be transferred to your Savings account on or after November 1st and the account will remain open. Any balances exceeding $5,000.00 will revert to the Savings Account dividend rate. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club accounts, you may close it. If you close your Christmas Club accounts, you will be charged a fee of all accrued uncredited dividends. However, any accrued dividends will be paid to you if you close your account within seven (7) days of the date the account is opened.
