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Looking for a loan or line of credit? Hudson Heritage offers a wide range of secured and unsecured loans that will meet your needs. Quick getaway? Use our vacation loan. Need cash for an unexpected event? HHFCU’s Signature Loan gives you cash when you need it. Ready to lower your debt? Call us to consolidate high rate loans and credit cards to help you put more money in your pocket. Let HHFCU help!

We offer a variety of personal loans based on your qualifications

Type of LoanTermVariable APR*Fixed APR*
Signature Loan / Debt Consolidation / Secured By Auto60 MonthsN/A9.99%
Signature Loan Secured by Certificate60 MonthsN/ACertificate Rate + 3%
Credit Rebuilder / Up to 12 MonthsUp to 12 MonthsN/A18.00%

Personal Loans Disclosures

*APR = Annual Percentage Rate.  Minimum loan amount $500.00, maximum loan amount $2,500.00.  All extensions of credit are subject to credit approval. The maximum APR that may be imposed is 18.00%. Actual rate may vary based on terms and credit worthiness. Rates shown are the lowest rates offered for the loan product(s) advertised. Rate advertised are subject to change at any time. All rates are subject to change without notice.  Contact a credit union employee for further details.

 

Winter Loan Disclosure: APR=Annual Percentage Rate. Rates as low as 6.99% APR. Max loan amount $7,500 up to a 36-month term. As an example: A 36 month loan with a fixed rate of 6.99% APR would result in a payment of $30.88 per month for each $1000 financed. Actual rate may vary based on credit worthiness. All rates quoted include a 0.50% reduction for members who authorize payment of their HHFCU loan through an automatic electronic funds transfer, debited from any account for the life of the loan. All extensions of credit are subject to credit approval. Rate shown is the lowest offered for the loan products advertised. Applicants who are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. All rates are subject to change without notice. This limited time offer may be withdrawn at anytime. Minimum loan amount $500. New money only.

Personal Loans FAQ

To apply for a loan with Hudson Heritage Federal Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess or Ulster Counties, New York or have an immediate family member who is already a member of Hudson Heritage Federal Credit Union. You will be required to become a member prior to loan closing with a $5 initial deposit in a savings account.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

HHFCU offers a variety of personal loans to best fit your needs. Please refer to the personal loans table for more information.

The terms for a personal loan vary depending on the type of loan, ranging from 12 months to 60 months. Please refer to the personal loans table for more information.

The variable APR for a personal loan is not applicable. Please refer to the personal loans table for more information.

The fixed APR for a personal loan varies depending on the type of loan, ranging from 9.99% to 18.00%. Please refer to the personal loans table for more information.

HHFCU offers a variety of calculators to help estimate your loan payments. Click here for a calculator that best fits your needs.