Term Share Accounts (aka, CDs)
All TSAs pay interest MONTHLY
Certificates Rate APY** 12 month Certificates - $2000 Minimum .70% .71% 24 month Certificates - $2000 Minimum .60% .61% 36 month Certificates - $2000 Minimum .50% .51%
IRA Term Share Accounts (aka, CDs)
All IRA TSAs pay interest MONTHLY
Certificates Rate APY** 12 month Certificates - $5000 Minimum 1.05% 1.05%
ANY special requests or large amounts contact Todd for the rate and APY**
Dividend Declared For The Last Quarter
Dividend Rate APY** Reg Shares: < $1000
S/Drafts: < $2000
Christmas Clubs 0.25% 0.25% IRAs: < $2000
Subaccount Name Term Rate Share Secured As low as 3.90%* New & 1 Yr Old Vehicles Up to 84 Mos As low as 3.40%* 2 & 3 Yr Old Vehicles Up to 72 Mos. As lows as 3.40%* 4, 5 & 6 Yr Old Vehicles Up to 60 Mos. As low as 4.40%* 7 Yrs & Older Vehicles Up to 60 Mos. As low as 5.40%* New RV Up to 144 Mos. As low as 5.90%* Used RV Up to 120 Mos. As low as 6.90%* New Power Sports Vehicles Up to 60 Mos. As low as 8.90%* Used Power Sports Vehicle Up to 60 Mos. As low as 8.90%*
Personal Loan Up to 60 Mos. As low as 7.90%*
* Rates and terms are based on credit worthiness. Rates are current as Jan 7, 2019 - Actual Rates are subject to change without notice.
Late Payment Fee: $20.00 Charged for any payment more than 10 days past due.
Returned Check Payment Fee: $15.00 Charged for a check that is returned unpaid for any reason.
Skip-a-Payment Fee: $25.00 Charged for approved requests to skip a monthly payment.
Other fees may apply - please see the HCPFCU Fee Schedule for additional charges that may apply.
Visa Check Card
Visa Check Card/ATM Withdrawal (At machines we do not own or designate) $0.50 VISA Check Card/ATM Card Replacement Fee $10.00 Rush Delivery of VISA Check Card/ATM Card $50.00 VISA Check Card/ATM Card NSF Fee $20.00 VISA Check Card/ATM Card Transfer Fee¹ $3.00 VISA Check Card/ATM Card PIN Change $3.00
¹transfer of funds from savings account to cover an overdrawn condition
Share Overdraft Fee (per each item paid) $20.00 Returned Draft Charge (NSF) $20.00 Draft Transfer Fee (transfer of funds to cover overdraft condition) $3.00 Stop Payment Charge $20.00 Returned Check Charge (deposited checks returned unpaid) $10.00 Reconciliation Fee (refunded if our error) $20.00 Draft Photo Copy Charge (copies of paid drafts) after 5th copy in each month $2.00
ACH NSF Fees (each item) $20.00 ACH Stop Payment $20.00 ACH Revoked Authorization Fee $20.00 ACH Transfer Fee (to cover an overdraft condition) $3.00
Early Withdrawal Penalty (per each) $15.00 IRA Inactive Account Fee (per quarter) $25.00 Transfer Fee $25.00
Christmas Club Account
Early Withdrawal Fee $1.00
Skip A Payment Fee $25.00 Late Loan Payment Fee $25.00 Negative Account Fee (charged after 30 days) $25.00 Closed Account Fee (if closed within 90 days of opening) $5.00 Account Statement (other than normal, per page) $2.00 Official CU Check Charge $5.00 Official CU Check Stop Payment Fee $25.00 Wire Transfer Fee (domestic) $20.00 Wire Transfer Fee (international) $40.00 Money Order Fee $2.00 Dormant Account / Inactive Account Fee (each month the account is inactive)
After 12 months with no activity; excludes fee or dividend transactions
$5.00 Bad Address Fee (charge for each piece of mail returned) $5.00 Counter Check (must order minimum of 5) $0.50 Non-Member Check Cashing Fee $5.00
Fees are accurate and are effective as of January 1, 2019. You may contact the credit union at 765-962-3172 with any questions.