This page lists Hamilton Horizons' current rates on the loans and investments it offers.

Loan & Investment Account Rates

To review our latest loan and investment account rates, please click on your area of interest below:

 Investments
 Secured Loans
 Revolving Credit Loans
 Home Equity Loan / Line Of Credit
 Unsecured and Personal Loans
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Investments

 ProductRequired BalanceRate
APY
    
Regular & Special Shares$5.00 to $4,999.99
0.02%
0.02%
(Effective 7/01/13)$5,000 to $19,999.99
0.03%
0.03%
 $20,000 to $49,999.99
0.06%
0.06%
 $50,000 and over
0.08%
0.08%
    
Share Draft*$500
0.03%
0.03%
(Effective 7/01/13)   
(* Dividends are paid to share draft accounts with an average daily balance of $500 or more)
(Effective 7/01/13)   
Money Markets$5,000 to $25,000
0.10%
0.10%
(Effective 1/01/14)$25,001 to 75,000
0.15%
0.15%
 $75,001 to $200,000
0.25%
0.25%
 $200,001 and over
0.30%
0.30%
    
 CertificatesTermRate
APY
    
Regular Share Certificates6 Months
0.50%
0.50%
(Effective 2/01/23)1 Year
0.75%
0.75%
 2 Years
1.00%
1.01%
 3 Years
1.25%
1.26%
 5 Years
1.50%
1.51%
    

Call about our certificate specials. Ask a Member Service Representative for details.

Secured Loans

 Loan TypeMaximum AmountTerm
APR
(All rates in this category are effective as of 09/15/23)  
New Auto or Truck
 Up to 84 Months
As low as 5.49%
Used Auto or Truck Up to 84 Months
As low as 6.49%
New/Used Boat, Motorcycle or RV
100% of selling priceUp to 84 Months
As low as 9.74%
New/Used All-Terrain Vehicles100% of selling priceUp to 48 Months
As low as 9.74%
Share/Certificate Secured LoanValue of pledged sharesNo Set Term
3% Differential

Revolving Credit Loans

 Loan TypeMaximum AmountTerm
APR
    
Platinum VISA Card
$20,000N/A
As low as 11.90%

Home Equity Loan / Line Of Credit

 Loan TypeMaximum AmountTerm
APR
 (All rates in this category are effective as of 11/27/23)   
Closed End Loan
80% LTV5 Yr/60 Months
As low as
7.50%
  10 Yr/120 Months
As low as
7.75%
  15 Yr/180 Months
As low as
8.50%
  20 Yr/240 Months
As low as
8.75%
    
 90% LTV5 Yr/60 Months
As low as
8.50%
  10 Yr/120 Months
As low as
8.75%
  15 Yr/180 Months
As low as
9.50%
  20 Yr/240 Months
As low as
9.75%
    
Line of Credit
80% LTV15 Yr/180 Months
WSJ Prime:
8.50%
  20 Yr/240 Months
WSJ Prime+ 1.00%
    
 90% LTV15 Yr/180 Months
WSJ Prime+ 1.00%
  20 Yr/240 Months
WSJ Prime+ 2.00%

Unsecured and Personal Loans

 Loan TypeMaximum AmountTerm
APR
    
Signature
$20,000Up to 48 Months
As low as 12.99%

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Fee Schedule

For more information about our loans, call our lending department at (609) 631-4300 or toll-free at (800) 449-3221.

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Hamilton Horizons Federal Credit Union offers access to TruStage Insurance Services.  For more information, please call 609-631-4300 or toll-free 800-449-3221.

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