Loan Rates

Rates as of May 20, 2020

We are currently not accepting any new mortgage loan applications. If you have an application in process or an existing mortgage with HCU and need to speak with a Mortgage Loan officer, please call 217-726-8877.

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Personal Loans

TermBranchRate
36 monthsHCU9.040 %
48 monthsHCU10.040 %
60 monthsHCU12.040 %

*The Annual Percentage Rates listed above are based on credit worthiness and term. Terms and Conditions apply.

Selected Rates current as of 9/1/2020, for approved members.

Home Equity Loans - Closed End

TermBranchFirst Lien positionSecond Lien Position
60 monthsHCU3.750 % 5.00 %
84 monthsHCU3.750 % 5.500 %
120 monthHCU4.000 % 5.750 %

*Does not qualify for additional discounts. Terms and Conditions apply.
**The Annual Percentage Rates listed above are based on credit worthiness, term and 80% LTV. 

Selected Rates current as of 9/1/2020, for approved members.

Home Equity Lines of Credit

TermBranchRate
Instant Equity LoanHCU7.000 %
Prime Line Equity LoanHCU4.000 %

Selected Rates current as of 9/1/2020, for approved members.


Auto Loans

Model Year Term APR
 2018 - Newer  48 mo.  2.49%
   60 mo.  2.49%
   72 mo.  2.74%
 2015 - 2017  48 mo.  2.59%
   60 mo.  2.59%
   72 mo.  2.84%
 2013 - 2014  48 mo.  2.99%
   60 mo.  2.99%
   72 mo.  3.49%
 2011 - 2012  48 mo.  4.84%
   60 mo.  4.84%
 2000 - 2010  48 mo.  6.34%

*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers.  Actual rate quoted is based on credit worthiness, model year, and term. Other terms are available, please contact the Credit Union for more information.

Recreational Loans(motorcycles, motorhomes, boats, ATV)

Model Year Term APR
 2018 - Newer  48 mo.  5.29%
   60 mo.  5.54%
 2015 - 2017  48 mo.  5.29%
   60 mo.  5.54%
 2013 - 2014  48 mo.  5.74%
   60 mo.  5.74%
 2011 - 2012  48 mo.  6.79%
   60 mo.  6.79%
 2007 - 2010  48 mo.  7.64%
     

*Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term.