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October is Breast Cancer Awareness Month, members can honor or remember a loved one through our dedication wall. For just $1 you'll be given a badge to write the name of a loved one. All proceeds will benefit Cancer Services of Midland. 

Health Advantage Credit Union Go to main content

Rates

Loan Rates

Auto, Truck & Motorcycle
Effective Date: Sunday, October 2nd, 2022
New or Used Annual Percentage Rate (APR)
as low as
TermPayment per $1,000
2023 & Older
Fixed Rate 3.74% 60 months $17.53
Fixed Rate 4.69% 72 months $15.19
Fixed Rate 5.44% 84 months, 2018+, $25,000 minimum $13.67
Apply for a new or used Auto, Truck or Motorcycle loan!
See Loan Special Page for current specials

Recreational Vehicles - RV/Boat/Trailer
Effective Date: Sunday, October 2nd, 2022
New or UsedAnnual Percentage Rate (APR) as low asTerm
Fixed Rate 3.94% 36 months
Fixed Rate 4.44% 60 months
Fixed Rate 4.94% 72 months
Fixed Rate 5.44% 84 months
Fixed Rate 5.94% 120 months
Fixed Rate 6.44% 180 months
Apply for a recreational vehicle loan!

Sport Vehicles - ATV/UTV/Jet Ski/Snowmobile
Effective Date: Sunday, October 2nd, 2022
New or UsedAnnual Percentage Rate (APR) as low asTerm
Fixed Rate 3.69% up to 24 months
Fixed Rate 4.19% 36 months
Fixed Rate 4.44% 48 months
Fixed Rate 4.69% 60 months
Fixed Rate 5.69% 84 months
Apply for a sport vehicle loan!

VISA Credit Cards
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR) as low as
VISA Platinum Rewards 9.90%
Apply for a VISA Credit Card! Transfer My High Rate Credit Cards  View Visa Disclosures

Personal Loans
Effective Date: Sunday, October 2nd, 2022
Annual Percentage Rate (APR) as low asTerm
6.24% up to 36 months
7.24% 37-60 Months

CU STAT - PayDay Loan Alternative
Effective Date: Sunday, October 2nd, 2022
RateTerm
15.90% fixed rate, 30 days to 3 months
More Details

Commercial Loan Products
See Business Lending Products

Home Loans

Mortgage Loans
Effective Date: Sunday, October 2nd, 2022
Mortgage Loan Rates
10, 15, 20 & 30 Year Fixed Rates

Home Equity Line of Credit
Effective Date: Sunday, October 2nd, 2022
TypeVariable APRTerm
HELOC (80% LTV) Prime + .75%, floor of 4.50% 15-Yr Amortization
HELOC (over 80% LTV) Prime + 2.75%, floor of 6.50% 15-Yr Amortization
Apply for a Home Equity Line of Credit!

Fixed Rate Home Equity LOC
Effective Date: Sunday, October 2nd, 2022
TypeFixed APRTerm
HELOC (up to 80% LTV) 5.75% 10-Yr Amortization
Apply for a Fixed Rate Home Equity LOC

Savings Accounts

Savings
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Premium Checking 0.199% 0.200% Monthly $10,000 and over
Evolution Debit 0.099% 0.100% Monthly $250 and over
Regular Savings, 2nd Savings, Vacation & Christmas Clubs 0.099% 0.100% Monthly $250 and over
MONEYPlus 0.199% 0.200% Monthly $2,500 - $9,999
  0.399% 0.400% Monthly $10,000 - $99,999
  0.548% 0.550% Monthly $100,000 - $249,999
  0.697% 0.700% Monthly $250,000 and over
IRA & HSA 0.099% 0.100% Monthly $0 - $9,999
  0.199% 0.200% Monthly $10,000 - $19,999
  0.299% 0.300% Monthly $20,000 - $49,999
  0.399% 0.400% Monthly $50,000 and over
All rates quoted are subject to change without notice; call HACU for today's rates. The Annual Percentage Yields listed are accurate as of the last dividend declaration date. Fees, if any, may reduce earnings and affect APY calculations. Call the credit union for complete disclosures at 989-791-7070 ext. 3503.

Share Certificate Specials
Effective Date: Sunday, October 2nd, 2022
TermAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
7 Month Youth1 5.000% 5.000% Monthly $500 - $700
12 Month Save to Win2 1.242% 1.250% Monthly2 $25 and over2
All certificates require a $500 minimum balance to open the account and earn the stated APY unless otherwise stated. Substantial penalty for early withdrawal. 1For 7 Month Youth Certificate accounts, any accrued dividends will be transferred to your share account monthly; only the principal amount will renew. Upon maturity of the Youth Certificate (member reaches age 21), principal amount will renew as a 6-month share certificate. Only one Youth Share Certificate per youth member.  2CLICK HERE for complete details and Save to Win Certificate contest rules. 
13 Month Special3 1.981% 2.000% Monthly $500 New Money ONLY
23 Month Special4 1.981% 2.000% Monthly $500 New OR Existing Funds
313 month certificate special can ONLY be funded with new money to the credit union. New money is funds from an outside source and not current funds on deposit with Health Advantage Credit Union. 423 month cerficate special can be funded with new money OR existing funds on deposit with the credit union.. These Share Certificate Specials are only available for a limited time. Call the credit union for complete disclosures at 989-791-7070 ext. 3503.

Share Certificates & IRA Share Certificates
Effective Date: Sunday, October 2nd, 2022
TermAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
6 Month 0.945% 0.950% Monthly $500 and over
12 Month 1.242% 1.250% Monthly $500 and over
24 Month 1.391% 1.400% Monthly $500 and over
36 Month 1.489% 1.500% Monthly $500 and over
48 Month 1.932% 1.950% Monthly $500 and over
60 Month 2.276% 2.300% Monthly $500 and over
All certificates require a $500 minimum balance to open the account and earn the stated APY.  Substantial penalty for early withdrawal. Call the credit union for complete disclosures at 989-791-7070 ext. 3503. 

Special Dividend Rate Accounts

Premium Rewards Checking
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Premium Checking Rewards 0.548% 0.550% Monthly $2,500-$24,999
  0.149% 0.150% Monthly $25,000 and over
The specified Annual Percentage Rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yield (which vary depending on the balance in the account) are shown for each tier.

Young Savers
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR) Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Young Savers 1.981% 2.000% Monthly $0.01 - $14,999
  0.099% 0.100% Monthly $15,000 & over
The specified Annual Percentage Rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yield (which vary depending on the balance in the account) are shown for each tier.

Business Accounts

Business Savings
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Business Savings 0.099% 0.100% Monthly $250 - $9,999
  0.249% 0.250% Monthly $10,000 - $99,999
  0.399% 0.400% Monthly $100,000 & over

Business Checking
Effective Date: Sunday, October 2nd, 2022
TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Business Checking 0.149% 0.150% Monthly $10,000 and over

 

 

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