Current Rates
HFCU's super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.
Share Rates
Share Certificate Rates Below Effective: November 1, 2025, through November 3, 2025
| Term | Dividend Rate | APY |
|---|---|---|
| 7 Day up to 91 Day |
2.084% |
2.100% |
| 6 Month to 11 Month |
3.747% |
3.800% |
| 12 Month to 17 Month |
3.747% |
3.800% |
| 18 Month to 23 Month |
3.406% |
3.450% |
| 24 Month to 29 Month |
3.406% |
3.450% |
| 30 Month to 35 Month |
3.455% |
3.500% |
| 36 Month to 47 Month |
3.455% |
3.500% |
| 48 Month to 59 Month |
3.455% |
3.500% |
| 60 Month |
3.601% |
3.650% |
Share Certificate Accounts - IRA & Jumbo
| Term | Dividend Rate | APY |
|---|---|---|
| 7 Day up to 91 Day |
N/A |
N/A |
| 6 Month to 11 Month |
3.864% |
3.920% |
| 12 Month to 17 Month |
3.864% |
3.920% |
| 18 Month to 23 Month |
3.523% |
3.570% |
| 24 Month to 29 Month |
3.523% |
3.570% |
| 30 Month to 35 Month |
3.572% |
3.620% |
| 36 Month to 47 Month |
3.572% |
3.620% |
| 48 Month to 59 Month |
3.572% |
3.620% |
| 60 Month |
3.718% |
3.770% |
Rates Below Effective: November 1, 2025, and are Payable December 1, 2025
| Amount | Dividend Rate | APY |
|---|---|---|
| $.00 – $1,999.99 |
0.000% |
0.00% |
| $2,000 – $9,999.99 |
0.797% |
0.80% |
| $10,000 – $19,999.99 |
0.847% |
0.85% |
| $20,000 – $39,999.99 |
1.193% |
1.20% |
| $40,000 – $99,999.99 |
1.440% |
1.45% |
| greater than or equal to $100,000 |
1.539% |
1.55% |
| Amount | Dividend Rate | APY |
|---|---|---|
| $.00 – $99,999.99 |
1.193% |
1.20% |
| greater than or equal to $100,000 |
1.539% |
1.55% |
| Type | Dividend Rate | APY |
|---|---|---|
| Health Savings Account |
1.193% |
1.20% |
| Type | Dividend Rate | APY |
|---|---|---|
| Club Accounts |
0.20% |
0.20% |
| 360 Secure Checking | 0.05% | 0.05% |
| Amount | Dividend Rate | APY |
|---|---|---|
| $0.00 – $19,999.99 | 0.10% | 0.10% |
| $20,000 – $99,999.99 | 0.10% | 0.10% |
| greater than or equal to $100,000 | 0.15% | 0.15% |
| Type | Dividend Rate | APY |
|---|---|---|
| Free Business Checking | 0.00% | 0.00% |
| Classic Business Checking | 0.02% | 0.02% |
| Platinum Business Checking | 0.03% | 0.03% |
APY = Annual Percentage Yield.
Rates are subject to change weekly.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.
Share dividend rates are set by the Board of Directors monthly. Certificate dividend rates are set weekly.
Rates are subject to change weekly.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.
Share dividend rates are set by the Board of Directors monthly. Certificate dividend rates are set weekly.
Credit Card Rates
Rates Below Effective Through: November 30, 2025
| Type | APR – Variable Rate as low as |
|---|---|
| Visa® Platinum Advantage | 8.99% |
| Visa® Platinum Rewards | 9.99% |
| Visa® Prime Lock | 7.00% |
| Visa® Advantage Secured | 8.99% |
| Visa® Platinum Family | 8.99% |
| Visa® Business Platinum | 8.99% |
| Type | APR – Variable Rate as low as |
|---|---|
| Visa® Business Platinum | 9.24% |
APR = Annual Percentage Rate.
Rates are subject to change without notice.
Rates are subject to change without notice.
Personal Loan Rates
Loan Rates Below Effective Through: November 30, 2025
| Term | APR – Fixed Rate as low as |
|---|---|
| 0 – 72 months | 12.50% |
- 36 month financing is available on loan amounts up to $14,999
- 42 month financing is available on loan amounts of $15,000 – $29,999
- 48 month financing is available on loan amounts of $30,000 – $50,000
Share Secured Loans
APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details.
| Type | Amount | Regular Share/Money Market Dividend Index Rate | + 50 Basis Points | + Additional 2.00% | = APR – Fixed and Variable Rate as Low as |
|---|---|---|---|---|---|
| Regular Share Secured Loan | Minimum $300 | 0.10% | + 0.50% | + 2.00% | = 2.60% |
| Money Market Secured Loan | Minimum $300 | 0.80% | + 0.50% | + 2.00% | = 3.30% |
| Term Share Secured Loan | Minimum $300 | The Term Share Index is the rate offered or being paid on the Certificate offered as security at the time the loan is underwritten. See Certificate Rates | + 0.50% | + 2.00% | Term Share Rate See Certificate Rates + 2.50% = Total APR |
Payment Example: 72 monthly payments of approximately $19.81 per $1,000 borrowed at 12.50% APR.
Vehicle Loan Rates
Loan Rates Below Effective Through: November 30, 2025
| Term | APR – Fixed Rate as low as |
|---|---|
| Up to 36 Months | 4.50% |
| 37 – 48 Months | 5.05% |
| 49 – 60 Months | 5.30% |
| 61 – 72 Months | 6.00% |
| 73 – 84 Months | 6.50% |
| Term | APR – Fixed Rate as low as |
|---|---|
| Up to 36 Months | 4.50% |
| 37 – 48 Months | 5.05% |
| 49 – 60 Months | 5.30% |
| 61 – 72 Months | 6.00% |
| 73 – 84 Months | 6.50% |
(Boats, Motorcycles, Jet Skis, etc)
| Term | APR – Fixed Rate as low as |
|---|---|
| Up to 36 Months | 6.94% |
| 37 – 48 Months | 7.20% |
| 49 – 60 Months | 7.45% |
| 61 – 72 Months | 8.00% |
| 73 – 84 Months | 8.50% |
| Amount | Term | APR – Fixed Rate as low as |
|---|---|---|
| $5,000 – $14,999 | Up to 60 Months | 8.20% |
| $15,000 – $24,999 | Up to 72 Months | 8.45% |
| $25,000 – $74,999 | Up to 120 Months | 9.00% |
| $75,000 – $149,999 | Up to 144 Months | 9.50% |
| $150,000 – 250,000 | Up to 180 Months | 9.50% |
APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan terms 72-84 months require a $20,000 minimum loan.
Payment Example: 60 monthly payments of approximately $19.01 per $1,000 borrowed at 5.30% APR.
Home Loan Rates
Loan Rates Below Effective Through: November 30, 2025
| Term | Rate | APR - Fixed Rate as low as |
| 10 Year | 5.250% | 5.466% |
| 15 Year | 5.375% | 5.528% |
| 20 Year | 5.875% | 5.998% |
| 30 Year | 6.125% | 6.219% |
| APR – Variable Rate as low as |
| 7.00% |
Texas Home Equity Loans
Do you want to take advantage of the equity that you’ve built in your home? Maybe you’ve been in your home for years, maybe the property value has increased, or maybe you made a down payment when you purchased. Home Equity Loans are simply secured by the equity in your home.
South Carolina Home Equity Loans
Do you want to take advantage of the equity that you’ve built in your home? Maybe you’ve been in your home for years, maybe the property value has increased, or maybe you made a down payment when you purchased. Home Equity Loans are simply secured by the equity in your home.
| Term | APR – Fixed Rate as low as |
|---|---|
| 60 Months | 5.99% |
| 120 Months | 6.99% |
| 180 Months | 7.49% |
| Term | APR – Rate as low as |
|---|---|
| 60 Month Balloon | 6.25% |
| 144 Month Fixed | 7.75% |
Lot Loans
| Term | LTV | APR – Fixed Rate as low as |
|---|---|---|
| 36 Month Max Term | Up to 70% | 5.99% |
| 36 Month Max Term | 71% to 80% | 6.99% |
| 36 Month Max Term | 81% to 90% | 7.49% |
APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details.
Payment Example: 120 monthly payments of approximately $11.61 per $1,000 borrowed at 6.99% APR.
Mortgage Loan Disclosure: APR is Annual Percentage Rate. Rates are subject to change at any time based on market conditions and borrower eligibility. Loans subject to credit approval. Property insurance required. The minimum approved loan amount is $100,000. Payment Example: Based on a loan amount of $200,000 with a 20% down payment, using typical HFCU Mortgage closing costs, monthly payment would be $2,170.53 (Principal + Interest) for 120 monthly payments with a rate of 5.500% and an APR of 5.718%. Payment does not include applicable taxes and insurance so actual obligation will be greater. The advertised mortgage APRs are subject to change over the course of the month due to pre-paid interest, and are dependent on the actual closing date during the month. For example a closing date on the first calendar day of the month would have 0 days of pre-paid interest, with a first payment being due on the first calendar day of the following month. Other terms and conditions apply.
Before extending credit, we may (a) require you to sign documents, including credit agreement and security agreement, (b) confirm your identity, (c) confirm that the collateral meets our requirements for value and condition of title, and (d) review your credit history to confirm that you meet the criteria we use to qualify you. HFCU extends credit for mortgage loans under a closed-end credit plan. Additional terms and conditions may apply.
Texas Home Equity, South Carolina Home Equity, Texas HELOC and South Carolina HELOC Closing Costs: The credit union will pay all normal closing costs which include the following fees: title search, recording fee, release of lien, flood determination, and credit report. Additional fees such as any necessary title insurance, appraisal, survey, and attorney fees will be the responsibility of the member. This is not limited to promotional periods.
Texas HELOC Disclosure: APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply. Maximum APR not to exceed 18% APR. Rates are subject to change monthly without notice. Minimum draw amount of $4,000. Maximum loan to value of 80%. Maximum credit line cannot exceed 50% of value of property. Texas residents are limited to establishing one home equity loan or home equity line of credit in a 12-month period. For details please call (346) 445-7439 or see a loan representative at any branch location. Wall Street Journal Prime Rate as of October 29, 2025 is: 7.00% APR.
South Carolina HELOC Disclosure: APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply. Maximum APR not to exceed 18% APR. Rates are subject to change monthly without notice. Maximum loan amount of up to 90% of appraised value for qualified loans. Minimum credit limit of $4,000. Minimum first advance of $1,800. South Carolina residents are limited to establishing one home equity loan or home equity line of credit at one time. For details please call (864) 676-7300 or see a loan representative at our Greenville office. Wall Street Journal Prime Rate as of October 29, 2025 is: 7.00% APR.
HFCU is an equal credit opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership.