605-352-6933 info@hbtelcofcu.com

ACCOUNTS APY*

 

  Terms APY*
 Savings/Checking/Share Certificates

 

Savings ($5.25 minimum opening deposit)
dividends quarterly 0.25% APY*
Checking 

(debit cards

coming

soon!)

dividends monthly 0.10% APY*
Share Certificate Minimum Opening Deposit
12 Month Certificates dividends annually 0.30% APY* $500 & Above
12 Month Certificates (youth – under 18) dividends annually 0.30% APY* $100 & Above
(Penalty may be imposed for early withdrawal on Share Certificates.)
The dividend rate and annual percentage yield may change after the account is opened for every dividend period as determined by the CU Board of Directors
The annual percentage yield is accurate as of the last dividend declaration date (09/30/2021).  No required minimum balance on savings or checking to earn the annual percentage yield.   Required minimum for share certificates, as shown above, to earn the annual percentage yield.  Any fees could reduce the earnings on the account.

APY = Annual Percentage Yield

 

LOAN RATE APR*

Interest rates are subject to change without notice
Effective date – AUGUST 16, 2021

 

Contact Us for any current Loan Specials!

  Terms APR* Max Amount
Share/Savings Secured Loans
24 – 60 months 2.500% + $50,000 per member
The maximum total loans any member can have in his/her name is $50,000
Vehicle Loans:  cars, trucks, vans, SUVs, boats, jet skis, snowmobiles, motorcycles, ATVs, motor homes, campers, etc.
2021 – 2022 1 – 84 months 6.00% – 7.00% 100% of NADA or MSRP
2018 – newer 1 – 72 months 5.00% – 11.25% 100% of NADA
2014 – 2017 1 – 60 months 6.00% – 12.00% 100% of NADA
2011 – 2013 1 – 48 months 6.50% – 13.00% 100% of NADA
2010 & older 1 – 36 months 7.50% – 13.25% 100% of NADA
Unsecured Loans
36 months 11.00% – 14.50% $2,500 per member
Line of credit 36 months 12.50% $2,000 per member
(LOC may become available –  after building good credit with HB Telco FCU)
Programs, rates, terms and conditions are subject to change without notice.
The annual percentage rate cannot increase after consummation.

APR = Annual Percentage Rate

Members Plus Program (except for share/certificate-secured loans)
A member may get 0.25% reduction on his/her APR for each of the following to a maximum of 0.50%

  • Payroll deduction or automatic withdrawal
  • Present or past loans at HBTFCU
  • Share certificate
  • Debt ratio 30% or under.

The Members Plus Program does not apply to rates for any loan specials advertised by the credit union.