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Personal Loans

Effective Date: Tuesday, November 20, 2018

Personal Loans

TypeAPR*Monthly Payment/$1,000
Personal Loan Unsecured8.99%$20.76Apply Now
Share Secured LoanCurrent Share Rate + 3.00%$18.00
Share Certificate Secured LoanCurrent Share Certificate Rate + 3.00%$18.87

*Rate shown is annual percentage rate (APR) and subject to change without notice. Rates listed are with .25% discount for an active HRCU checking account with direct deposit, a .15% discount for an automatic payment on your HRCU personal loan, and a .10% discount for member loyalty (2 year minimum).

Payment Example: A $5,000 personal loan with a rate of 8.49% for 48 months has a monthly payment of approximately $123.24. Total finance charge is approximately $915.06. Other terms & rates available.

For more information contact us at (877) 895-6840. Rates and conditions are subject to change without notice. Special terms and conditions apply. Maximum personal loan amount is $20,000.


Personal Line of Credit

Effective Date: Tuesday, November 20, 2018

Personal Line of Credit

TypeMinimum AmountAPR*
Personal Line Of Credit$50011.25%Apply Now

*APR equals Annual Percentage Rate. Rates are based on an evaluation of credit worthiness and ability to repay. All rates and conditions are subject to change without notice. APR using current index and margin would be 11.00% or higher. Adjustments are based on Prime Rate as published in the Wall Street Journal plus a margin as low as 6.00% (based on credit rating). Prime Rate as of 6/13/2018 is 5.00%. An annual fee of $20 will be charged each anniversary date of the line of credit. The minimum annual percentage rate that may be imposed is 9.25% and the maximum annual percentage rate that may be imposed is 18.00%. The Personal Line of Credit does not have an expiration period but will be reviewed every 24 months for credit worthiness and ability to repay. The conclusion of said review could lead to changes in rate, line amount, or termination of the line.