Interest Rates

Click here for Rates as of November 2016


 

 **Lowest rate assumes maximum discounts applied.
 

Simple interest is charged on the outstanding balance of the loan.  There are no prepayment penalties.  Credit Disability, Credit Life and Joint Credit Life insurance may be available.  All consumer loans are charged a $25 loan application fee.  All secured title loans will be charged $15 per vehicle to note the lien and all secured non-titled loans will be charged a UCC fee of $25 per filing.  A fee of $20 per loan will be charged to defer a loan payment.  A $50 fee will be charged to refinance to lower an interest rate on a current loan.

All rates are base on APR (Annual Percentage Rate).

A security interest is required on all secured loans.  Insurance is required on all secured loans over $3000 except for share or share certificate secured loans.  Healthcare Plus FCU is to be listed as the lien holder on the title or UCC-1 lien instrument as well as on the insurance policy.

NCUA insured to at least $250,000