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

 Product Required Balance Rate
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)
IRA Shares $5.00 and over
0.06%
0.06%
(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%
 Certificates Term Rate
APY
Regular Share Certificates 6 Months
0.15%
0.15%
(Effective 10/01/15) 1 Year
0.25%
0.25%
2 Years
0.40%
0.40%
3 Years
0.50%
0.50%
5 Years
1.05%
1.06%
IRA Share Certificates 6 Months
0.15%
0.15%
(Effective 10/01/15) 1 Year
0.25%
0.25%
2 Years
0.40%
0.40%
3 Years
0.50%
0.50%
5 Years
1.05%
1.06%

Call about our certificate specials. Jumbo Certificates are also available. Ask a Member Service Representative for details.

Secured Loans

 Loan Type Maximum Amount Term
APR
(All rates in this category are effective as of 3/1/18)
New Auto or Truck
110% of selling price Up to 84 Months
As low as 2.24%
Used Auto or Truck 110% of selling price Up to 84 Months
As low as 3.24%
New/Used Boat, Motorcycle or RV
100% of selling price Up to 84 Months
As low as 8.74%
New/Used All-Terrain Vehicles 100% of selling price Up to 48 Months
As low as 12.99%
Share/Certificate Secured Loan Value of pledged shares No Set Term
3% Differential

Revolving Credit Loans

 Loan Type Maximum Amount Term
APR
Platinum VISA Card
$20,000 N/A
As low as 11.90%

Home Equity Loan / Line Of Credit

 Loan Type Maximum Amount Term
APR
 (All rates in this category are effective as of 4/23/18)
Closed End Loan
80% LTV 5 Yr/60 Months
4.24%
10 Yr/120 Months
5.10%

15 Yr/180 Months
5.50%

20 Yr/240 Months
5.75%


90% LTV 5 Yr/60 Months
5.24%
10 Yr/120 Months
6.10%

15 Yr/180 Months
6.50%

20 Yr/240 Months
6.75%

Line of Credit
80% LTV 15 Yr/180 Months
WSJ Prime
20 Yr/240 Months
WSJ Prime+ 1.00%


90% LTV 15 Yr/180 Months
WSJ Prime+ 1.00%
20 Yr/240 Months
WSJ Prime+ 2.00%

Unsecured and Personal Loans

 Loan Type Maximum Amount Term
APR
Signature – Open End
$20,000 Up to 48 Months
As low as 12.99%
Consolidation – Open End
No Limit Up to 36 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.