Florida Hospital Credit Union

LOAN RATES


Personal Loans

Loan Type
Annual Percentage Rate (APR)
Personal Loan
As low as 9.75%*
12-12-12 Holiday Loan
12.00%
**Share-Secured
3.0% Above Index
***Certificate of Deposit Secured Loan
CD APR + 3.0%

*Your actual rate is based on your credit quality and loan term.  Rate listed includes a  discount for length of employment 10 years or greater.  Please ask us for the rate and term you qualify for.

Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.


New and Used Autos/Recreational Vehicle Rates

Loan Type

Term

Annual Percentage Rate (APR)

New Car & Truck****

1 to 24 months
25 to 36 months
37 to 48 months
49 to 60 months
61 to 72 months

as low as 1.89%*
as low as 2.04%*
as low as 2.19%*
as low as 2.29%*
as low as 3.04%*

Used Car & Truck

1 to 24 months
25 to 36 months
37 to 48 months
49 to 60 months
61 to 72 months

as low as 2.39%*
as low as 2.54%*
as low as 2.69%*
as low as 2.79%*
as low as 3.54%*

New Motorcycle, Camper, Boat, Recreational Vehicle****

1 to 24 months
25 to 36 months
37 to 48 months
49 to 60 months
61 to 72 months

as low as 5.39%*
as low as 5.54%*
as low as 5.69%*
as low as 5.79%*
as low as 6.54%*

Used Motorcycle, Camper, Boat, Recreational Vehicle

1 to 24 months
25 to 36 months
37 to 48 months
49 to 60 months
61 to 72 months

as low as 5.89%*
as low as 6.04%*
as low as 6.19%*
as low as 6.29%*
as low as 7.04%*


*Your actual rate is based on your credit quality, down payment, loan term, and amount financed.
Rates listed include discounts for length of employment 10 years or greater and up to 80% Loan to Value. Please ask us for the rate and term you qualify for. Loans are subject to credit union membership eligibility, credit approval, and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.


Credit Card Rates

Card Type

Annual Fee

Annual Percentage Rate (APR)
For Purchases

Visa® Classic

NONE

14.99%*

Visa® Platinum

NONE

9.99%*

Share Secured Visa®

NONE

16.00%

*Rates are subject to change. Rates and terms are based on certain credit-worthiness criteria.

 

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Credit reports are obtained on every loan applicant and all loans are subject to approval. Collateral may be requested for loans to new borrowers until a credit rating is established with the Credit Union.

 

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.

 

Late Charges: If your payment is more than 10 days late, you will be required to pay a late charge of $25.00.

 

**The ANNUAL PERCENTAGE (APR) for share-secured loans will be the dividend rate being paid on regular shares (Index) on the date of the loan plus the percentage shown in the “% Above Index” column above with a floor rate of 5.00%.

 

The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the loan. The unpaid loan balance must at all times be secured by an equal dollar value in the share account pledged.

 

*** Certificate of Deposit Secured Loans - A member may pledge their Certificate of Deposit with FHCU as collateral to secure a loan.
 

  • The maximum loan amount is 100% of the unpledged Certificate of Deposit.
  • The maximum term not to exceed the term of the Certificate of Deposit less 1 month.
  • The minimum loan amount shall be $500.00.
  • The rate of interest shall be the Certificate of Deposit Annual Percentage Rate (APR) +3.0% with a floor rate of 5.0%.
  • The unpaid loan balance must at all times be secured by an equal dollar value in the Certificate of Deposit account.

****New vehicles consist of current and previous model years not exceeding 10,000 actual miles.

 

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