Auto Loans

We offer some of the best auto loan rates in town. We start with a low base rate and then apply any discounts that you might qualify for. Discounts are granted for having your primary checking account with us, a good credit score, making a down payment and reducing standard terms. The same great rate applies for new and used cars. Check out the NADA vehicle guide.

Research Your Next Vehicle

We also provide a powerful online resource free to our members. Visit AUTOSMART for valuable information and research tools that can help you save time and money when purchasing your next vehicle.

RECREATIONAL VEHICLES

Our loans for recreational vehicles will fit your needs whether you’re looking to travel across country in your new RV or snowmobiling over the weekend. The same great discounts from our car loans can be applied to these loans. You can save hundreds of dollars with our financing options. Our fast and easy loan process can help you on your way to fun in no time.

Visa Credit Cards

We have five convenient credit card options that can fit any wallet. Each option has its own features to benefit your personal needs.

  • Low interest rates
  • Access at thousands of merchants and ATMs worldwide
  • No-fee balance transfers/cash advances
  • Up to 1% cash back on the Classic and Platinum Cash Back Card ending 3/31/17
  • Merchandise and travel rewards on the Platinum Rewards Card

 

Classic Low Rate Classic Classic Cash Back Platinum Platinum Cash Back Card
Rate 8.9% APR 9.9% APR 11.9% APR 9.9% APR 11.9% APR
Rebate None None Up to 1% Ending 3/31/17 Ending 3/31/17
Annual Fee $10.00 None None None None
Minimum Limit $100.00 $100.00 $100.00 $5,000.00 $5,000.00

PERSONAL LOANS

Our signature loans are great for any purpose. These loans are short-term loans for whatever the need may be. They are limited to a total of three times your monthly income and are for a period of one to four years.

Our secured loans are also great for any purpose. The secured loans require some security to be pledged and the amount is determined by the value of the security offered. Things such as pianos, computers or other personal items of value are examples of what can be used as security. Even if you are purchasing the item with the funds, it can qualify.

HOME EQUITY LINES OF CREDIT


Our Home Equity Loans are a great way to consolidate debt, do home improvements, help pay for College tuition, etc. We offer a Home Equity line of credit or the traditional 2nd Mortgage. By using the equity in your home, you can obtain a line of credit that will be there when you need it.

  • Low variable rate of 4.25% APR
  • Up to 20-Year Term
  • No fees or closing costs
  • Interest paid on a HELOC may be tax deductible

MORTGAGE LOANS

Whether you’re looking to purchase a home, refinance to a better rate or term, or looking to use the equity in your home, Health Care Credit Union has several types of mortgages that will fit your needs. These loans are offered at current market rates.¬†Refinancing from another lender is also an option. Stop by any branch or call for fees and rate information.

Conventional Fixed Rate First Mortgage

  • 15, 20 and 30 year terms
  • Typical down payment of 5% to 20%
  • Second homes and investment property financing options

Improved Lot Loans

Finance the lot until you’re ready to begin construction. Save on fees because we will credit half the lot loan origination fee towards your Goldenwest construction loan.

  • Fixed rate¬†30 year term with a 3-year call
  • Down payment of 20%

Fixed Rate Second Mortgage

  • Interest rate and payment stay the same for the term of the loan.
  • Fixed rate—5 and 10 year term
  • We will finance up to 80% LTV
  • Maximum amount $100,000.00
  • Requires closing costs

Current Loan Rates

New & Used Cars and Trucks

Autos and Trucks as low as 2.99% APR Fixed

Boats, RVs, and Trailers

Boats, RVs, and Trailers as low as 4.49% APR Fixed

Motorcycles, Snowmobiles, and ATVs

Motorcycles, Snowmobiles, and ATVs as low as 4.49% APR Fixed

Home Equity Line of Credit

Home Equity Line of Credit 4.25% APR Variable

Mortgages, Construction Loans and Lot Loans

Signature/Visa/Share & Certificate Secured

As low as 9.00% APR Fixed Signature*
11.90% APR Visa Classic Credit Card No Annual Fee with Cash Rebate ending 3/31/17
9.90% APR Visa Classic Credit Card No Annual Fee
8.90% APR Visa Classic Credit Card $10 Annual Fee
9.90% APR Visa Platinum Credit Card No Annual Fee
11.90% APR Visa Platinum Cash Back Credit Card No Annual Fee
3.00% APR Share Secure Loans plus declared dividend rate
1.99% APR Cert. Secured plus secured certificate rate

*Rate may vary based on approved loan amount.

All Annual Percentage Rates (APR) are current as of April 1, 2017 and subject to change. Rates listed above are our based rates. Your rate may be higher depending on credit worthiness and other underwriting criteria. Home Equity Line of Credit Variable Rate is Prime Rate + 0.25% for a 20-year term. As of April 1, 2017, the Wall Street Journal Prime Rate is listed as 4.00% APR. Home Equity Line of Credit has a maximum variable APR of 18.00%. No fee offer based on credit line remaining open minimum of 24 months. Equal Housing Lender. NMLS 440574.p>

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