Current Rates

Click on any product below for Hudson Heritage Federal Credit Union current rates.

Type of First Mortgage Rate Annual Percentage Rate (APR) * APPLY
Fixed Rate 30 Year Mortgage 24.125%4.247% APPLY
Fixed Rate 20 Year Mortgage 23.875%3.997% APPLY
Fixed Rate 15 Year Mortgage 23.375%3.497% APPLY
Fixed Rate 10 Year Mortgage 33.250%3.372% APPLY
Three/One Adjustable (3/1) ARM​ 12.625%2.747% APPLY
Five/One Adjustable (5/1) ARM 12.875%2.997% APPLY
Seven/One Adjustable (7/1) ARM 13.125%3.247% APPLY

*APR = Annual Percentage Rate.  All extensions of credit are subject to credit approval. Rates shown are the lowest rates offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher term and/or rate. All terms and conditions are subject to change without notice. Offers may be withdrawn at any time.

1 ARM = Adjustable Rate Mortgage. Rates on 3/1 ARMs are fixed for the first three years and subsequently subject to change annually. Rates on 5/1 ARMs are fixed for the first five years and subsequently subject to change annually. Rates on 7/1 ARMs are fixed for the first seven years and subsequently subject to change annually. Adjustable rate mortgages have an annual rate cap of +/- 2% and a lifetime rate adjustment cap of +/- 6%. The maximum Annual Percentage Rate (APR) that may be imposed is 6% over the Initial rate and is subject to credit union lending guidelines. 

2 As an example: A 360 month term at a fixed rate of 3.75% with a 60% LTV would be $46.32 for each $10,000 borrowed.   

3 Must be 1st lien position; appraisal is required. Must be 1- to 4- family dwelling, no manufactured homes. Maximum loan amount is $417,000. Example: a 120-month term with a 60% loan-to-value with a fixed rate of 2.79% would result in an estimated payment of $95.60 for each $10,000 financed.  

Type of Loan Term Variable APR * Fixed APR * APPLY
Fixed Home Equity Loan 1Up to 60 MonthsN/A3.99% APPLY
Fixed Home Equity Loan 161 to 120 MonthsN/A4.75% APPLY
Fixed Home Equity Loan 1121 to 180 MonthsN/A4.99% APPLY
Fixed Home Equity Loan 1181 to 240 MonthsN/A5.49% APPLY
Home Equity Line of Credit 2, 3, 410 Year Draw, 15 Year Repayment3.50%N/A APPLY

*APR = Annual Percentage Rate.  Rates are effective as of the date listed above. Rates are subject to change without prior notice. All extensions of credit are subject to credit approval.  Rates shown are the lowest rates offered for the loan products advertised.  Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or different terms.  All terms are subject to change without notice. Home Equity Loan rates quoted include a .50% reduction for members who pay their loans through automatic transfer from a share or share draft account. Certain loan restrictions may apply, contact the credit union at 845-561-5607 for further details.

1 As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.25% APR would result in an estimated payment of $8.54 for each $1,000.00 financed.

2 Subject to a 3.00% floor rate.

3 The maximum Annual Percentage Rate (APR) that may be imposed is 18%.

4 There are certain draw down, balance requirements, and loan-to-value restrictions which may apply. For variable-rate loans, the APR may increase after consummation.  Home Equity Lines of Credit closed out prior to their anniversary dates will be subject to the addition of all waived closing costs to the payoff balance. Contact the Credit Union at 845-561-5607 for further details.

Type of Loan Fixed APR * as low as APPLY
Tier 1 Auto (Model years 2012-2018)1.99% APPLY
Tier 2 Auto (Model years 2010-2011)4.49% APPLY
Tier 3 Auto (Model years 2009 & older)9.99% APPLY
New Boat/Motorhome/RV (2015-2017)6.50% APPLY
Used Boat/Motorhome/RV7.00% APPLY
New/Used Motorcycle / OV7.49% APPLY

*APR=Annual Percentage Rate. Rates as low as 1.99% APR with up to 36-month term. As an example: A 36-month loan with a fixed rate of 1.99% APR would result in a payment of $28.65 per month for each $1000 financed. Actual rate may vary based on credit worthiness and down payment. 125% financing is also available for qualified borrowers. 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. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. Maximum term is 84 months other terms are available. All terms are subject to change without notice. Offer may be withdrawn at any time without notice.

Type of Loan Term Variable APR * Fixed APR * APPLY
Signature Loan / Debt Consolidation / Secured By Auto60 MonthsN/A9.99% APPLY
Signature Loan Secured by CD60 MonthsN/ACD Rate + 3% APPLY
Credit Rebuilder / Up to 12 MonthsUp to 12 MonthsN/A18.00% APPLY

*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 Annual Percentage Rate (APR) that may be imposed is 18.00%. Actual rate may vary based on 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 terms are subject to change without notice.  Contact a credit union employee for further details.

 

Checking Tier
Click on any checking product for details.
Annual Percentage Yield (APY) * Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Dividend Crediting Compounding Method Variable / Fixed Open Account
Accelerator Checking0.05%$0$0.000.05%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 10.50%$0$0.000.50%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 20.70%$0$0.000.70%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 31.00%$5,000$0.001.00%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 41.25%$5,000$0.001.24%MonthlyMonthlyVariable Open account

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year.  A withdrawal and/or fee will reduce earnings.  APYs are accurate as of the last dividend declaration date.  For variable rate accounts, the rates may change after opening.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  The dividend rates and the APYs disclosed are prospective.  Dividends are paid from the current income and available earnings, after the required transfers to reserves at the end of a dividend period.  These rates are accurate as of the date indicated above.  Rates are subject to change anytime without noticed.  Dividends are compounded monthly and credited monthly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  To qualify for any annual percentage yield for the dividend period, you must be a member in Good Standing. Good Standing means you: (a) have on deposit at least the par value of one full share ($5.00) in a Regular Share Savings account;  (b) have no delinquent loans (payment is not more than 30 days late); and  (c) have positive balances in all share accounts. Use of certain electronic services is required to earn 0.50% APY. Use of certain electronic services, $5,000 average daily Accelerator balance and $10,000 average daily loan balance are required to earn stated APY. If these requirements are not met, you will not earn the stated annual percentage yield. 

Accounts will be charged the standard Overdraft fee of $32 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $32 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Hudson Heritage Federal Credit Union or if your account is subject to any legal or administrative order of levy.

Rates effective 7/15/2015.

Product Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
Share Savings0.05%$500$5.000.05%
Super Saver - Tier 10.20%$25,000$25,0000.20%
Super Saver - Tier 20.25%$50,000$50,0000.25%
Super Saver - Tier 30.35%$100,000$100,0000.35%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Dividends are compounded quarterly and credited quarterly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 7/15/2015.

Type of Loan Term Variable APR * Fixed APR * APPLY
VISA Credit Card 2N/A9.99%N/A APPLY
Secured VISA Credit Card 1N/A17.99%N/A APPLY

*APR = Annual Percentage Rate.  All extensions of credit are subject to credit approval. The maximum Annual Percentage Rate (APR) that may be imposed is 18.00%. Actual rate may vary based on 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 terms are subject to change without notice.  Contact a credit union employee for further details.

1 Rates as low as 17.99% APR. 120% of the credit line needs to be deposited into a secure savings account. Example: $250 limit Secured VISA® requires $300 to be deposited. Other terms and conditions apply. Contact credit union for details.

2 Rates as low as 9.99% APR and as high as 17.99% APR.  Other terms and conditions may apply. Contact credit union for details.

Product Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
IRA Savings 10.15%$500$5.000.15%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Dividends are compounded quarterly and credited quarterly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 7/15/2015.

1 No early withdrawals are allowed on any IRA account or the member will be charged a penalty.

Product Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
Money Market - Tier 10.15%$2,500$2,5000.15%
Money Market - Tier 20.20%$20,000$20,0000.20%
Money Market - Tier 30.25%$50,000$50,0000.25%
Money Market - Tier 40.30%$100,000$100,0000.30%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Dividends are compounded quarterly and credited quarterly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 7/15/2015.

Term Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
Share/IRA Certificate, 6 Months0.40%$2,500$2,5000.40%
Share/IRA Certificate, 12 Months0.55%$500$5000.55%
Share/IRA Certificate, 24 Months0.95%$500$5000.95%
1.05%$10,000$10,0001.05%
Share/IRA Certificate, 36 Months1.20%$500$5001.19%
1.30%$10,000$10,0001.29%
Share/IRA Certificate, 48 Months1.50%$500$5001.49%
1.60%$10,000$10,0001.59%
Share/IRA Certificate, 60 Months1.90%$500$5001.89%
2.00%$10,000$10,0001.99%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Divdends are compounded quarterly and credited quarterly. You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 8/1/2016.

Product Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
Holiday, Vacation, & Escrow Savings0.05%$500$5.000.05%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Dividends are compounded quarterly and credited quarterly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 7/15/2015.

Type of Loan Term Variable APR * Fixed APR * APPLY
Overdraft Line of Credit 1N/A18.00%N/A APPLY

*APR=Annual Percentage Rate. All extensions of credit are subject to credit approval. Actual rate may vary based on 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 terms are subject to change without notice.  Contact a credit union employee for further details.

1 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 Annual Percentage Rate (APR) that may be imposed is 18.00%. Actual rate may vary based on 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 terms are subject to change without notice.  Contact a credit union employee for further details.