Rates

Homeland Federal Credit Union strives to be your premier financial institution. We offer competitive rates on loans and deposits.

Click on the links below to see our current rates.

Loan Rates
Secured Loans
Personal/Unsecured/Consolidation Loans
Visa Platinum
Tuition Loans

Deposit Rates
Savings Accounts
IRA Accounts
Certificates of Deposit

CLICK HERE TO APPLY ONLINE

OR

Click here to download and print a loan application. Print, fill out, and return the application to us with a current check stub. You may bring the form to the credit union, mail it to us or fax to one of our branch offices. A loan processor will contact you shortly thereafter. (Note: You will need Adobe Reader to be able to view our loan form. Download it for free by clicking here.)

Rates shown below are subject to change without notice. Rates for merchant cash advance funding for small businesses will vary depending on the amount borrowed, your credit and your cash flow. See the following funder websites for more information, click here or here.

The loan rates shown below are the best rates we offer for the loans indicated. Your rate may be higher depending on your credit score.

Secured * (20% Down)
	730+	680-729	640-679	600-639	550-599	<550
Term	APR	APR	APR	APR	APR	APR
6-Yr	3.99	4.49	6.49	12.49	16.49	17.99
5-Yr	3.49	3.99	5.99	11.99	15.99	17.74
4-Yr	3.25	3.49	5.49	11.49	15.49	17.49
3-Yr	2.99	3.25	4.99	10.99	14.99	17.24

Secured * (0% Down)
	730+	680-729	640-679	600-639	550-599	<550
Term	APR	APR	APR	APR	APR	APR
6-Yr	4.25	4.99	6.99	13.49	17.49	17.99
5-Yr	3.99	4.49	6.49	12.99	16.99	17.99
4-Yr	3.49	3.99	5.75	12.49	16.49	17.99
3-Yr	3.25	3.75	5.50	11.99	15.99	17.74

Personal
	730+	680-729	640-679	600-639	550-599	<550
Term	APR	APR	APR	APR	APR	APR
4-Yr	5.99	8.50	12.00	16.50	17.95	17.95
3-Yr	5.75	8.25	11.50	16.25	17.95	17.95
2-Yr	5.50	8.00	11.00	16.00	17.95	17.95
1-Yr	4.99	7.75	10.75	15.75	17.95	17.95

VISA Platinum
730+	680-729	640-679	600-639	550-599	<550
APR	APR	APR	APR	APR	APR
8.95	12.50	13.50	14.50	16.00	17.95

Tuition
730+	680-729	640-679	600-639	550-599	<550
APR	APR	APR	APR	APR	APR
5.50	6.00	6.50	8.00	10.00	15.00

Savings/Club Accounts
Minimum	Dividend	APY	Term
$25.00 to $9,999.99 **	0.10%	0.10%	Quarterly
$10,000.00 and OVER **	0.25%	0.25%	Quarterly

Checking Accounts
.10% APY on AVG. BAL.

IRAs
Dividend	APY	Term
2.00%	2.02%	Quarterly

Certificates of Deposit
6 Months		12 Months		18 Months		24 Months
Dividend	APY	Dividend	APY	Dividend	APY	Dividend	APY
.50%	.50%	.75%	.75%	.85%	.85%	1.00%	1.00%
Early withdrawal penalties may apply.

*Secured is defined as Autos, Boats, Motorcycles, RV's, Travel Trailer, and Classic Autos. Will refinance at 50 basis points lower than other institution with MINIMUM 6 MONTHS on books AND NO DELINQUENCY for the entire existence of the loan.

** Dividends paid on average daily balance

** Rates for credit card processors will depend on if its in person swiped/chip card, online, or high risk classifications. See the following websites for more details and high risk assessments: Entrust Bankcard, UBC Bankcard or High Risk Merchant Account.

NOTICE: APY (Annual Percentage Yield) is subject to change without prior notice. Fees, if applicable, could reduce the earnings on the account.