Loan Rates

Your Credit Union now finances 100% of the invoice price plus tax, tag and title on new automobiles for up to 72 months. Your Credit Union will also finance used automobiles according to the NADA Retail value up to 60 months. The length of time financed on used autos will be determined by the age of the vehicle and is at the discretion of the approving loan officers. For current rates, go to our Loan Rates page or contact a Loan Department representative today at 850.857.4328 (HFCU).

Loan Type Term/Months APR
M.O.T.O.R.    
New and Used Cars and Boats 12 2.99%
New and Used Cars and Boats 24 2.99%
New and Used Cars and Boats 36 2.99%
New and Used Cars and Boats 48 2.99%
New and Used Cars and Boats 60 2.99%
New and Used Cars and Boats 72 3.99%
New and Used Boats and RV's 84 4.74%
New and Used Boats and RV's 96 5.99%
New and Used Boats and RV's 120 6.49%
New and Used Boats and RV's 144 6.74%
Unsecured    
Personal   8.65%
Credit Cards    
VISA Gold   10.90%
VISA Classic   12.90%

*APR = Annual Percentage Rate

NMLS Licenses