Hughes FCU Mobile Banking app now available!

Download Now Close

Loan Rates

Loan Rates

One Rate. We Promise.

One Low Rate Stamp

Hughes Federal Credit Union is serious about our commitment to our members when it comes to their loan needs; One low rate.  We promise.

We don’t switch loan rates based on your credit score. When we give you a rate, it’s not “as low as.” It’s simply one interest rate for all approved applicants.

Whatever your loan request is for, if it’s a credit card, a home equity line of credit, an auto loan or a personal loan, we’ve got your covered.

Choose your loan type from the list below and see the one low you'll receive.

Share Pledge Loan
Car or Truck Loan (new or used)
Home Equity Line of Credit
Rental or Vacation Property Loan
Manufactured Home Loan
Motorcycle or ATV Loan (new or used)
Aircraft, Camper, Travel Trailer, Boat,
     Computer or Musical Instrument Loan

Visa® Card (Classic, Gold, Platinum)
Holiday Loan
Personal Line of Credit
Signature Loan

*One Low Rate applies to all Hughes Federal Credit Union loans excluding student loans and mortgages which are offered through an outside vendor. Credit card rates refer to our Visa Classic Card. Certain restrictions apply.


Apply Now ›

Loan Annual Percentage Rates

 

Effective April 1, 2014

Share PledgeAnnual Percentage Rate*Daily Periodic Rate
Main Share (2.5% above last dividend declared) 2.60% .00007123
High Yield (2.0% above last dividend declared) 2.15% .00005890
Premium Yield (2.0% above last dividend declared) 2.25% .00006164
Ultimate Yield (2.0% above last dividend declared) 2.35% .00006438
Term Share Account (3.0% above last dividend declared) Call for current rates  

 

Car & Truck, New & Used Annual Percentage Rate*Daily Periodic Rate
Adjustable Rate, Up to 72 Months 3.75% .00010274
Fixed Rate, Up to 72 Months 4.50% .00012329
Adjustable Rate, Up to 84 Months 4.75% .00013014
Fixed Rate, Up to 84 Months 5.50% .00015068

 

Real EstateAnnual Percentage Rate*Daily Periodic Rate
First Mortgage Loans Click here for current rates.
** Home Equity (< 80% Loan-to-Value) 5.00% .00013699
** Home Equity (> 80% Loan-to-Value) 5.25% .00014384
Unimproved Property 5.00% .00013699
**Rental/Vacation Property 6.25% .00017123

 

Manufactured Home: New & UsedAnnual Percentage Rate*Daily Periodic Rate
Adjustable Rate 6.50% .00017808
Fixed Rate 7.25% .00019863

 

Motor Home/Park Model, New & UsedAnnual Percentage Rate*Daily Periodic Rate
Adjustable Rate 6.00% .00016438
Fixed Rate 6.75% .00018493

 

Motorcycle/ATV, New & UsedAnnual Percentage Rate*Daily Periodic Rate
Adjustable Rate 4.50% .00012329
Fixed Rate 5.25% .00014384
Adjustable Rate, 84 Month 5.50% .00015068
Fixed Rate, 84 Month 6.25% .00017123

 

Special Collateral/Recreational LoanAnnual Percentage Rate*Daily Periodic Rate
Aircraft, Camper or Travel Trailer, Marine (Boat, Boat Trailer, etc.), Computer, and Musical Instrument

Adjustable Rate

6.00% .00016438

Fixed Rate

6.75% .00018493
Student Loans+ Call for current rates  (888) 549-9050

cuGrad Loans - 1% loan origination fee

3-Month LIBOR + 4.25%-6.75%

cuScholar Loans 

3-Month LIBOR + 2.99%-8.99%

+Student Loans must be applied for online. Certain restrictions may apply.  Loans based upon credit approval. Rate and term based on creditworthiness.  See www.custudentloans.org/hughesfcu for complete details and Truth-in-Lending Disclosure.

 

Credit CardsAnnual Percentage Rate*Daily Periodic Rate
Visa® (Platinum) *** 9.50% .00026027
Visa® (Gold) *** 11.95% .00032740
Visa® (Classic) *** 12.50% .00034247

 

UnsecuredAnnual Percentage Rate*Daily Periodic Rate
Summer / Holiday Loan (Seasonal), Fixed Rate 9.50% .00026027
Line of Credit 13.45% .00036849
Signature Loan, Fixed Rate 13.45% .00036849
Primary Checking Line of Credit 16.99% .00046548

 

Credit Builder LoanAnnual Percentage Rate*Daily Periodic Rate
Home Equity, Adjustable** 9.75% .00026712
Secured, Fixed 10.75% .00029452
Unsecured, Fixed 14.00% .00038356

All rates are adjustable except where indicated as a fixed rate. Rates reflect the Annual Percentage Rate (APR) and are effective April 1, 2014 until adjusted by the Hughes Federal Credit Union Board of Directors. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed.

** Adjustable Rate: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October (“the Index”) plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%. On Rental/Vacation Property Loans, the rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate “cap” of 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.

***Penalty pricing will apply if we do not receive the required minimum monthly payment by the payment due date for two (2) consecutive months. The new increased rate of 16.99% APR (including any introductory rate and promotional rate) will apply on any existing and future purchase and cash advance balances. After the account is paid as agreed according to the terms of the Credit Card Agreement for six (6) consecutive months, the rate will be reduced back to the current prevailing APR.

A complete Truth in Lending Disclosure will be given at the time of application. Share Pledge loan rates are based upon the last dividend declared due to federal credit union dividend declaration procedures.

Debt Protection is offered by the Credit Union for qualified members for most loans.  For more information, click here.

The Credit Union offers low cost Guaranteed Asset Protection (GAP). Click here to read more about GAP.

Ask about our Credit Builder Loan or First Time Vehicle Buyer's Program for FICO scores of 580 and below.

Back to Top