{"id":744,"date":"2022-07-07T16:54:41","date_gmt":"2022-07-07T16:54:41","guid":{"rendered":"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/"},"modified":"2022-08-17T18:56:47","modified_gmt":"2022-08-17T18:56:47","slug":"loan-rates","status":"publish","type":"page","link":"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/","title":{"rendered":"Loan Rates"},"content":{"rendered":"\n\n\n\n\t
Rates & Fees Effective Date<\/td>May 1, 2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\t\t\t
\n\t\t\t\t\n\n

Rates are subject to change without notice. <\/em><\/p>\n\n\t\t\t<\/div>\n\t\t\t\n\n

Loan Products<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Loan Product<\/th>Term<\/th>Loan Amount <\/th>Rate<\/th>\n<\/tr>\n<\/thead>\n
Line of Credit<\/td><\/td><\/td>15.75%<\/td>\n<\/tr>\n
Overdraft Line of Credit<\/td><\/td><\/td>12.75%<\/td>\n<\/tr>\n
Visa Classic<\/td><\/td><\/td>1.99% Six Month intro rate<\/td>\n<\/tr>\n
Visa Gold<\/td><\/td><\/td>1.99% Six Month Intro rate<\/td>\n<\/tr>\n
Signature Loan Unsecured<\/td><\/td><\/td>14.99%<\/td>\n<\/tr>\n
Bill Consolidation Loan<\/td>84 Months<\/td>$30,000.00<\/td>9.90%<\/td>\n<\/tr>\n
Savings Secured <\/td><\/td><\/td>Savings Rate + 3.00%<\/td>\n<\/tr>\n
Certificate Secured <\/td><\/td><\/td>Certificate Rate + 3.00%<\/td>\n<\/tr>\n
Seasonal Special <\/td>up to 36 months<\/td>up to $5,000.00<\/td>9.90%<\/td>\n<\/tr>\n
New Auto
\n2025-2026<\/td>		up to 60 months<\/td>as low as*<\/td>4.69%<\/td>\n<\/tr>\n
New Auto
\n2025-2026<\/td>		72 months<\/td>as low as*<\/td>5.69%<\/td>\n<\/tr>\n
New Auto
\n2025-2026 <\/td>		84 months<\/td>as low as*<\/td>6.04%<\/td>\n<\/tr>\n
New Auto
\n2025-2026<\/td>		96 months
\n$50,000 & up <\/td>		as low as*<\/td>6.64%<\/td>\n<\/tr>\n
Used Auto
\n2022-2025<\/td>		up to 60 months<\/td>as low as*<\/td>5.19%<\/td>\n<\/tr>\n
Used Auto
\n2022-2025<\/td>		72 months
\n$35,000 & up<\/td>		as low as*<\/td>5.99%<\/td>\n<\/tr>\n
Used Auto
\n2019-2021<\/td>		up to 60 months<\/td>as low as*<\/td>6.29%<\/td>\n<\/tr>\n
Used Auto
\n2018-Older <\/td>		Up to 60 months<\/td>as low as*<\/td>7.49%<\/td>\n<\/tr>\n
New Boat\/New RV<\/td>60 months<\/td>as low as*<\/td>6.29%<\/td>\n<\/tr>\n
New Boat\/New RV<\/td>120 months<\/td>as low as*<\/td>6.79%<\/td>\n<\/tr>\n
New Boat\/New RV<\/td>180 months<\/td>as low as*<\/td>7.29%<\/td>\n<\/tr>\n
Used Boat\/Used RV<\/td>60 months<\/td>as low as*<\/td>7.49%<\/td>\n<\/tr>\n
Used Boat\/Used RV<\/td>120 months<\/td>as low as*<\/td>8.29%<\/td>\n<\/tr>\n
Used Boat\/Used RV<\/td>180 months<\/td>as low as*<\/td>8.49%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nDifferent rates\/terms may apply for applicants that do not qualify for the above rates.<\/span>\n\n\n\n

Real Estate Loans<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Product<\/th>Term<\/th>Rate<\/th>\n<\/tr>\n<\/thead>\n
Fixed Mortgage<\/td>30 years<\/td>5.500%<\/td>\n<\/tr>\n
Fixed Mortgage<\/td>20 years<\/td>5.375%<\/td>\n<\/tr>\n
Fixed Mortgage<\/td>15 years<\/td>5.250%<\/td>\n<\/tr>\n
Fixed Mortgage<\/td>10 years<\/td>5.250%<\/td>\n<\/tr>\n
Fixed Home Equity<\/td>20 years<\/td>6.750%<\/td>\n<\/tr>\n
Fixed Home Equity<\/td>15 years<\/td>6.500%<\/td>\n<\/tr>\n
Fixed Home Equity<\/td>10 years<\/td>6.250%<\/td>\n<\/tr>\n
Fixed Home Equity<\/td>5 years<\/td>6.000%<\/td>\n<\/tr>\n
Home Equity Line of Credit<\/td><\/td>4.490% for 18 months, then prime for life of the loan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":0,"parent":740,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-744","page","type-page","status-publish","hentry"],"yoast_head":"\nLoan Rates - Town of Hempstead Employees Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Rates - Town of Hempstead Employees Federal Credit Union\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/\" \/>\n<meta property=\"og:site_name\" content=\"Town of Hempstead Employees Federal Credit Union\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-17T18:56:47+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/\",\"url\":\"https:\/\/www.tohefcu.org\/wph\/staging\/rates-and-fees\/loan-rates\/\",\"name\":\"Loan Rates - 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