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Current Rates

  • Loans

    Personal Loan

    Auto Loans

    Credit Cards

    Line of Credit

    Mortgage

    HELOC

    Personal Loan Rates

    Loan Products Terms APR*

    Personal Loan

    12 months 4.99%1 Apply Now
    24 months 4.99%1 Apply Now
    36 months 4.99%1 Apply Now
    48 months 7.24%1 Apply Now
    60 months 8.24%1 Apply Now

    Rates are accurate as of 3/1/2023 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.

    Auto Loan Rates

    Term APR* Apply Now

    New Auto/Truck

    36 months 2.99%1 Purchase
    48 months 3.24%1 Purchase
    60 months 3.50%1 Purchase
    72 months 4.50%1 Purchase
    84 months 5.50%1 Purchase

    Used Auto/Truck

    36 months 3.09%1 Purchase Refinance
    48 months 3.49%1 Purchase Refinance
    60 months 3.75%1 Purchase Refinance
    72 months 5.25%1 Purchase Refinance
    84 months 6.25%1 Purchase Refinance

    Rates are accurate as of 3/1/2023 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.

    Green Auto Loan Rates

    Term APR* Apply Now

    New Auto/Truck

    36 months 2.74%1 Purchase
    48 months 2.99%1 Purchase
    60 months 3.25%1 Purchase
    72 months 4.25%1 Purchase
    84 months 5.25%1 Purchase

    Used Auto/Truck

    36 months 2.84%1 Purchase Refinance
    48 months 3.24%1 Purchase Refinance
    60 months 3.50%1 Purchase Refinance
    72 months 5.00%1 Purchase Refinance
    84 months 6.00%1 Purchase Refinance

    Rates are accurate as of 1/1/2023 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.

    Visa Cash Wave Rate

    Rate Type APR*

    VISA® Cash Wave

    Variable 17.24%1
    18.00%1 or
    18.00%1
    Apply Now

    Rates are accurate as of 3/23/2023 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.

    Line of Credit Rate

    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.

    1st Mortgage Rates

    Mortgage Product Term Rate Type Points Rate APR*

    1st Mortgage

    5/5 ARM Adjustable 2.00 5.000% 5.518% Apply Now
    15/15 ARM Adjustable 2.00 5.250% 5.323% Apply Now
    30 Year Fixed 2.00 5.500% 5.713% Apply Now
    20 Year Fixed 2.00 5.375% 5.659% Apply Now
    15 Year Fixed 2.00 5.125% 5.482% Apply Now
    5/1 ARM Adjustable 2.00 5.375% 6.724% Apply Now

    Rates are accurate as of 3/29/2023 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 Rate

    Home Equity (HELOC) Rates

    Mortgage Product Term Rate Type APR*

    Home Equity
    (HELOC) 3

    25 Years Fixed/Variable 4.25% Fixed/2 Years1
    8.25% Variable Rate1

    4.50% Fixed/3 Years1
    8.25% Variable Rate1

    5.00% Fixed/5 Years1
    8.25% Variable Rate1

    (Up to 80% loan-to-value, owner-occupied)
    Apply Now

    Investor Heloc (HELOC) 3

    15 Years Variable Temporarily Unavailable Temporarily Unavailable

    Rates are accurate as of 2/9/2023 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 5.02%1
    (7.77% APR)
    Apply Now

    Rates are accurate as of 3/1/23 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 13-Month

    $1,000.00 4.00% Contact Us Open Online
    Log-in to Online Banking

    IRA 13-Month

    $1,000.00 4.00% 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 3/27/2023 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. 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.

  • 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. One free withdrawal per calendar quarter. A withdrawal fee may apply thereafter. 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.

Call us: (808) 983-5500

Contact Locations

Routing Number: 321379656

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