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Health Advantage Charity Golf Outing Thursday, August 31st  LEARN MORE

Michigan Avenue branch CLOSED for renovations! Construction will take place into the summer of 2023. To stay up to date please sign up for email updates here. 

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Rates

 

Loan Rates

Auto, Truck & Motorcycle - as low as 5.99%

Auto, Truck & Motorcycle
Effective Date: Sunday, May 28th, 2023
New or Used Annual Percentage Rate (APR)
as low as
TermPayment per $1,000
2023 & Older
Fixed Rate 6.24% 60 months $17.53
Fixed Rate 6.74% 72 months $15.19
Fixed Rate 7.63% 84 months, 2021+, $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 as low as 5.69%

Recreational Vehicles - RV/Boat/Trailer
Effective Date: Sunday, May 28th, 2023
New or UsedAnnual Percentage Rate (APR) as low asTerm
Fixed Rate 5.99% 36 months
Fixed Rate 6.49% 60 months
Fixed Rate 6.99% 72 months
Fixed Rate 7.49% 84 months
Fixed Rate 7.99% 120 months
Fixed Rate 8.29% 180 months
Apply for a recreational vehicle loan!

Sport Vehicles - ATV/UTV/Jet Ski/Snowmobile as low as 5.69%

Sport Vehicles - ATV/UTV/Jet Ski/Snowmobile
Effective Date: Sunday, May 28th, 2023
New or UsedAnnual Percentage Rate (APR) as low asTerm
Fixed Rate 5.69% up to 24 months
Fixed Rate 6.19% 36 months
Fixed Rate 6.69% 48 months
Fixed Rate 7.19% 60 months
Fixed Rate 7.69% 84 months
Apply for a sport vehicle loan!

VISA Credit Cards - as low as 9.90%

VISA Credit Cards
Effective Date: Sunday, May 28th, 2023
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 - as low as 8.49%

Personal Loans
Effective Date: Sunday, May 28th, 2023
Annual Percentage Rate (APR) as low asTerm
8.99% up to 36 months
9.74% 37-60 Months

CU STAT - PayDay Loan Alternative as low as 15.90%

CU STAT - PayDay Loan Alternative
Effective Date: Sunday, May 28th, 2023
Annual Percentage Rate (APR)Term
15.90% fixed rate, 30 days to 3 months
More Details

Revolving Line of Credit - as low as 11.90%

Revolving Line of Credit
Annual Percentage Rate (APR) as low asTerm
11.90% Fixed rate, payment is 3% of outstanding balance, min. $30
Learn More

Commercial Loan Products

Home Loans

Mortgage Loans

Mortgage Loans
Effective Date: Sunday, May 28th, 2023
Mortgage Loan Rates
10, 15, 20 & 30 Year Fixed Rates

Home Equity Line of Credit

Home Equity Line of Credit
Effective Date: Sunday, May 28th, 2023
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

Fixed Rate Home Equity LOC
Effective Date: Sunday, May 28th, 2023
TypeFixed APRTerm
HELOC (up to 80% LTV) 6.25 10-Yr Amortization
Apply for a Fixed Rate Home Equity LOC

Savings Rates

Savings Accounts

Savings
Effective Date: Sunday, May 28th, 2023
TypeAnnual Percentage Yield (APY)Minimum Balance to Earn Dividends
Premium Checking 0.200% $10,000 and over
Evolution Debit 0.100% $250 and over
Primary Savings, Second Savings, Vacation & Christmas Club 0.100% $250 and over
Money Plus 0.200% $2,500 - $9,999
  0.500% $10,000 - $99,999
  0.800% $100,000 - $249,999
  1.000% $250,000 - $499,999
  1.250% $500,000 and over
IRA & HSA 0.100% $0 - $9,999
  0.200% $10,000 - $19,999
  0.300% $20,000 - $49,999
  0.400% $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

Share Certificate Specials
Effective Date: Sunday, May 28th, 2023
TermAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
7 Month Youth1 5.000% 5.000% Monthly $500 - $1000
12 Month Save to Win2 3.630% 3.700% 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. 

Share Certificates & IRA Share Certificates

Share Certificates & IRA Share Certificates
Effective Date: Sunday, May 28th, 2023
TermAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
6 Month 3.920% 4.000% Monthly $500 and over
12 Month 3.630% 3.700% Monthly $500 and over
24 Month 3.445% 3.500% Monthly $500 and over
36 Month 3.105% 3.150% Monthly $500 and over
48 Month 3.105% 3.150% Monthly $500 and over
60 Month 3.202% 3.250% 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

Premium Rewards Checking
Effective Date: Sunday, May 28th, 2023
TypeAnnual Percentage Rate (APR)Annual Percentage Yield (APY)Dividends Compounded & CreditedMinimum Balance to Earn Dividends
Premium Checking Rewards 0.648% 0.650% 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

Young Savers
Effective Date: Sunday, May 28th, 2023
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 Account Rates

Business Savings

Business Savings
Effective Date: Sunday, May 28th, 2023
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

Business Checking
Effective Date: Sunday, May 28th, 2023
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

Our Rates & Services Charges

 

 

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