Loan Rates

Table data for Auto Loans & Other Secured Consumer Loans
Effective 04-24-2025
Account Type ¹	APR as low as ²	Term	Payment per $1,000 ³
Secured - 24 months	4.95%	24 months	$43.85

Secured - 36 months	5.00%	36 months	$29.97

Secured - 48 months	5.25%	48 months	$23.15

Secured - 60 months	5.50%	60 months	$19.11

Secured - 72 months	6.00%	72 months	$16.58

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Motorcycle, RV, Boat & Other Toy Loans
Term ⁴	APR as low as ²	Payment Per $1,000 ³
24 months	6.75%	$44.81

36 Months	7.00%	$30.99

48 Months	7.25%	$24.15

60 Months	7.50%	$20.12

72 Months	8.00%	$17.61

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Consumer Loan Rates
Effective 04-24-2025
Account Type ¹	APR as low as ²	Term	Payment Per $1,000 ³
Unsecured	10.70%	60 Months	$21.61

Unsecured Energy Efficiency	7.70%	84 Months	$15.45

Secured Solar Loan	7.25%	180 Months	Call

Certificate Secured	Certificate Rate + 3% Adj.

Share Secured	Share Rate + 3% Adj.

Overdraft Protection	15.00%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Line of Credit
Effective 04-24-2025
Account Type	Promotional APR as low as ⁵	Promotional Term	Payment Per $1,000 ³
Home Equity Line of Credit ⁶	5.75% Adj.	24 Months	Payment Example: a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Loan
Effective 04-24-2025
Account Type	APR as low as ²	Term	Payment Per $1,000 ³
Home Equity Loan	6.00%	84 Months	Payment Example: 60 monthly payments of $19.33 per $1,000 borrowed at 6.00% APR

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Mortgage Rates are Available

Table data for Visa^® Card Rates
Effective 04-24-2025
Account Type ⁷	APR ²	Alert Me
Platinum	Prime + 4% Adj.

Gold	9.99%

Classic	12.90%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

View Full Visa Disclosures

Rates

Disclosures

¹ Rates "as low as." Rate based on your credit history. Actual rate may be higher.

² APR = Annual Percentage Rate.

³ All rates subject to change without notice. Initial $25.00 deposit for membership required. Additional restrictions apply.

⁴ Rates "as low as." Rate based on your credit history. Actual rate may be higher.

⁵ APR = Annual Percentage Rate. Promotional APR is subject to credit approval and will terminate at the end of the 24-month promotional period. Non promotional rates are variable and subject to credit qualifications and will be indexed to the Prime Rate published in the Wall Street Journal (7.50% as of 12.19.2024). Rates take effect the first day of the following month, subject to a maximum APR of 18%. Promotional offer subject to change or terminate at the discretion of HFCU. Additional terms and conditions may apply. Call 888.252.8932 or see below for details. Loan payment example for a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.

⁶ Rates "as low as." Introductory APR is applicable for the first 24 monthly billing cycles. After 24 month promotional period ends, rate automatically adjusts to a variable interest rate, based on the Prime rate as published by the Wall Street Journal. Lowest possible rate is 4.00% Annual Percentage Rate (APR) if the WSJ Prime Rate allows that. Actual promotional rates and variable rates may be higher. All loans subject to approval.

⁷ All rates subject to change without notice. Initial $25 deposit for membership required. Additional restrictions apply. To read important Visa Credit Card disclosures, visit https://www.hfcuvt.com//content/docs/credit-card-application-and-solicitation-disclosure-9-2024.pdf