Rates

Current rates below.

Rate Sheet (Last Modified: Jul 25, 2013)

Annual Percentage rates as low as:
Personal LoanAs low as 7.90%Personal Loans can be used for many purposes.
New Auto LoanAs low as 2.9%Based on credit rating
Used AutoAs low as 3.9%Based on credit rating
Visa Credit CardAs low as 9.25%Our new Visa Card program has fixed rates and free balance transfers.

Above rates are based on credit rating and ability to pay. We are an Equal Opportunity Lender and Equal Housing Lender. We are NCUA insured. Rates subject to change without notice.

Visa Credit Card (Last Modified: Sep 22, 2014)

INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate (APR) for PurchasedA) 9.25%
B) 11.25%
C) 15.25%
These rates based on credit worthiness
APR for balance transfersA) 2.9%
B) 5.9%
C) 9.9%
Balance Transfer APR is in effect for six (6) months from the posting date. Balance transfers will post as a cash advance.
How to avoid paying interest on PurchasesYou have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances.
Minimum Interest ChargeNone
For Credit Card Tips from
the Consumer Financial
Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FEES
Maintenance and Set up Fee, Annual Fee, Additional Card FeeNONE
TRANSACTION FEES
Balance Transfer Fees - NONE
Cash Advance Fees - NONE
Foreign Transaction Fee - Up to 1% of each transaction (USD)
PENALTY FEES
Late Payment Fee
Returned Payment Fee

Up to $25 assessed ten (10) days after due date.
Up to $15
OTHER FEES
$5 (Replacement Card Fee)
$20 (Skip a Pay Fee)
$3 (Card Center Phone Payment Fee)

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Health Care Professionals Federal Credit Union
1810 Williamsburg Pike, Richmond, IN 47374 (765) 962-3172
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