Florida Hospital Credit Union

LOAN RATES

Effective Oct 1st, 2018


Personal Loans

Loan Type Rate

Listed as Annual Percentage Rate

Rate after all Discounts*

Listed as Annual Percentage Rate

Personal Loan 11.75% As low as 10.25%
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%

APR (ANNUAL PERCENTAGE RATE)

*Your actual rate is based on your credit quality and loan term. Unsecured rates listed includes the following discounts.

  • 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 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 APR 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

Loan Type

Rate

Listed as Annual Percentage Rate

Rate after all Discounts*

Listed as Annual Percentage Rate

New Auto¹
49 to 60 months
61 to 72 months
73 to 84 months

3.49%
4.24%
5.49%

As low as 2.64%
As low as 3.39%
As low as 4.64%

Used Car & Truck

Under 60,001 in miles
49 to 60 months
61 to 72 months
73 to 84 months

3.99%
4.74%
5.99%

As low as 3.14%
As low as 3.89%
As low as 5.14%

Used Car & Truck

Over 60,000 in miles
49 to 60 months
61 to 72 months
73 to 84 months

4.99%
5.74%
6.99%

As low as 4.14%
As low as 4.89%
As low as 6.14%

New Motorcycle, Camper, Boat, RV¹

49 to 60 months
61 to 72 months
73 to 84 months

6.99%
7.74%
8.99%

As low as 6.14%
As low as 6.89%
As low as 8.14%

Used Motorcycle, Camper, Boat, RV¹

49 to 60 months
61 to 72 months
73 to 84 months

7.49%
8.24%
9.49%

As low as 6.64%
As low as 7.39%
As low as 8.64%

*Your actual rate is based on your credit quality and loan term. Rate listed includes the following discounts.
  • 5 years or greater Work/ Membership discount on Auto Loans= .25% auto loans​  
  • 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

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%

APR (ANNUAL PERCENTAGE RATE)

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




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