Loan Rates 


New Cars (2019-2017)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
36 - - -
48 - - -
60 3.99 3.74 3.49
72 4.24 3.99 3.74
84 5.74 5.49 5.24

Used Cars (2018-2016)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
36 4.24 3.99 3.74
48 4.49 4.24 3.99
60 4.49 4.24 3.99
72 4.99 4.74 4.49
84 5.99 5.74 5.49

Used Cars (2015-2012)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
36 4.74 4.49 4.24
48 4.99 4.74 4.49
60 4.99 4.74 4.49
72 5.49 5.24 4.99
84 6.49 6.24 5.99

Used Cars (2011 & Older)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
36 5.74 5.49 5.24
48 5.99 5.74 5.49
60 5.99 5.74 5.49
72 6.49 6.24 5.99
84 7.49 7.24 6.99

Rapid Cash

*Rates as low as

Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
15.00 14.75 14.50

Unsecured Loans

*Rates as low as

Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
11.00 10.75 10.50

RV, Travel Trailer, 5th Wheel (2009 & Newer)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
5 3.74 3.49 3.24
6 4.24 3.99 3.74
7 5.24 4.99 4.74
8 5.74 5.49 5.24
10 6.24 5.99 5.74

RV, Travel Trailer, 5th Wheel (2007 & Older)

*Rates as low as

Term Base Rate With Checking or Direct Deposit With Checking and Direct Deposit
5 4.24 3.99 3.74
6 4.74 4.49 4.24
7 5.74 5.49 5.24
8 6.24 5.99 5.74
10 6.74 6.49 6.24

Mortgage Rates

*Rates as low as

Term Rate
15 Year Fixed 4.75
10 Year Fixed 4.50
Home Equity Line of Credit** 5.50
Adjustable Rate*** 4.00

** Rates are variable based on prime
*** Rates subject to change based on credit score, Loan to Value and the current Libor Rate


Health Care Credit Union has adopted a merit based system for determining loan rates. This means the better your credit experience, the lower your rate. Unless otherwise noted, the rates below are the best available. Rates are subject to change at any time. Some restrictions may apply. Unless otherwise noted all rates are "as low as."

All "as low as" rates require a checking account, direct deposit, and auto payment to loan.

Prime Rate is 5.50% (Effective 01/02/2019)