Florida Hospital Credit Union

LOAN RATES


Personal Loans

Loan Type Rate
Listed as Annual Percentage Rate
Rate after all Discounts*
Listed as Annual Percentage Rate
Personal Loan 11.25% As low as 10.00%
12-12-12 Holiday Loan 12.00% As low as 12.00%
**Share-Secured 3.0% Above Index 3.0% Above Index
***Certificate of Deposit Secured Loan CD APR + 3.0% CD APR + 3.0%
*Your actual rate is based on your credit quality and loan term. Rate listed includes the following discounts.

1.5 years but less than 10 years of Work/ Membership discount on Personal Loans= 1.00% ​
10 years or more of Work/ Membership discount on Personal Loans = 1.50%​​​​  
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 are subject to change at any time without prior notice.

**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 be secured by an equal dollar value in the share account pledged at all times.
 
*** 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 be secured by an equal dollar value in the Certificate of Deposit account at all times.

New and Used Autos/Recreational Vehicle Rates

Loan Type

Rate
Listed as Annual Percentage Rate

Rate after all Discounts
Listed as Annual Percentage Rate

New Auto¹
1 to 24 months
25 to 36 months
37 to 48 months
49 to 60 months
61 to 72 months

2.84%
2.99%
3.14%
3.24%
3.99%

As low as 1.99%
As low as 2.14%
As low as 2.29%
As low as 2.39%
As low as 3.14%

Used Car & Truck

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

3.34%
3.49%
3.64%
3.74%
4.49%

As low as 2.49%
As low as 2.64%
As low as 2.79%
As low as 2.89%
As low as 3.64%

New Motorcycle, Camper, Boat, Recreational Vehicle¹

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

6.34%
6.49%
6.64%
6.74%
7.49%

As low as 5.49%
As low as 5.64%
As low as 5.79%
As low as 5.89%
As low as 6.64%

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

6.84%
6.99%
7.14%
7.24%
7.99%

As low as 5.9 9%
As low as 6.14%
As low as 6.29%
As low as 6.39%
As low as 7.14%

*Your actual rate is based on your credit quality and loan term. Rate listed includes the following discounts.
i. 5 years or greater Work/ Membership discount on Auto Loans= .25% auto loans​  
ii. Up to 80% Loan to Value discount (LTV) = .60%
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 are subject to change at any time without prior notice.
¹New vehicles consist of current and previous model years not exceeding 10,000 actual miles.


Credit Card Rates

Card Type

Annual Fee

Rate For Purchases
Listed as Annual Percentage Rate

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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