Rates
Whether you’re saving for the future or financing what matters most, you’ll find rates designed to help you reach your goals faster.
Savings Rates
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| FREE Checking | Average balance of less than $1,000 | 0.00 | 0.00 |
| FREE Checking | Average balance of $1,000 or more | 0.05 | 0.05 |
| Smart Spending (Teen Checking) | Average balance of less than $1,000 | 0.00 | 0.00 |
| Smart Spending (Teen Checking) | Average balance of $1,000 or more | 0.05 | 0.05 |
*Rates may change after account is opened. Rates effective as of 11/20/2025 *$1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.) | |||
| Type | APY | Dividend Rate |
|---|---|---|
| Regular Savings | 0.10% | 0.10 |
| Club Accounts** | 0.10% | 0.10 |
| Goal-Based Savings | 0.00% | 0.00 |
*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *$0.01 minimum balance required to earn APY. **Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 11/20/2025 | ||
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 60 month | $10,000.00 | 3.50 | 3.56% |
| 60 month | $500.00 | 3.25 | 3.30% |
| 48 month | $10,000.00 | 3.50 | 3.56% |
| 48 month | $500.00 | 3.25 | 3.30% |
| 36 month | $10,000.00 | 3.25 | 3.56% |
| 36 month | $500.00 | 3.50 | 3.30% |
| 30 month | $10,000.00 | 3.50 | 3.56% |
| 30 month | $500.00 | 3.25 | 3.30% |
| 24 month | $10,000.00 | 3.50 | 3.56% |
| 24 month | $500.00 | 3.25 | 3.30% |
| 18 month | $10,000.00 | 2.35 | 2.38% |
| 18 month | $500.00 | 2.10 | 2.12% |
| 12 month | $10,000.00 | 2.35 | 2.38% |
| 12 month | $500.00 | 2.10 | 2.12% |
| 12 month Save to Win | $25.00 | 2.10 | 2.12% |
| 6 month | $10,000.00 | 2.50 | 2.53% |
| 6 month | $500.00 | 2.25 | 2.27% |
| 5 month special** | $5,000.00 | 3.84 | 3.90% |
| 3 month | $10,000.00 | 1.20 | 1.21% |
| 3 month | $500.00 | 1.00 | 1.00% |
Deposits encouraged with the Save to Win certificate. Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria. *10 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 12-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 05/29/2025. **5 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 6-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 05/29/2025. Rates updated on 11/20/2025. | |||
| Balance | Dividend Rate | APY |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17% |
| $100,000 - $249,999 | 1.80 | 1.81% |
| $50,000 - $99,999 | 1.50 | 1.51% |
| $25,000 - $49,999 | 1.05 | 1.06% |
| $10,000 - $24,999 | 0.85 | 0.85% |
| $2,500 - $9,999 | 0.65 | 0.65% |
| $0 - $2,499 | 0 | 0.00% |
* Rates may change after the account is opened. * Fees may reduce earnings on the account. * No minimum balance is due to open an account. * $2,500 minimum balance required to earn dividend * A $2.00 monthly service fee applies if month end balance falls below $1000. Rates effective as of 11/20/2025 | ||
| Term | Dividend Rate | APY* |
|---|---|---|
| $3,000,000 - Above | 3.98 | 4.05 |
| $1,000,000 - $2,999,999 | 3.78 | 3.85 |
| $500,000 - $999,999 | 3.49 | 3.55 |
| $250,000 - $499,999 | 3.11 | 3.15 |
| $5,000 - $249,999 | 0.05 | 0.05 |
*APY = Annual Percentage Yield. Rates are effective as of 11/20/2025. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Rates effective as of 11/20/2025 | ||
| Balance | Dividend Rate | APY* |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17 |
| $100,000 - $249,999 | 1.80 | 1.81 |
| $50,000 - $99,999 | 1.50 | 1.51 |
| $25,000 - $49,999 | 1.05 | 1.06 |
| $10,000 - $24,999 | 0.85 | 0.85 |
| $2,500 - $9,999 | 0.65 | 0.65 |
| $0 - $2,499 | 0 | 0 |
*APR = Annual Percentage Rate. APY= Annual Percentage Yield. Rates effective as of 11/20/2025 | ||
| Type | APY | Dividend Rate |
|---|---|---|
| Type APY Dividend Rates Health Savings Account | 0.60% | 0.60 |
* Rates may change after the account is opened. * $5 minimum balance required to open account. * $0.01 minimum balance required to earn APY. Rates effective as of 11/20/2025 | ||
Consumer Loans
| Term | 2022 & Newer* | 2021* | 2020* | 2019* | 2018* | 2017 - 2011* | 2010 & Older* |
|---|---|---|---|---|---|---|---|
| 36 months | 6.40 | 6.75 | 7.25 | 7.51 | 7.75 | 8.75 | 9.01 |
| 48 months | 6.27 | 6.62 | 7.13 | 7.38 | 7.62 | 8.63 | 8.88 |
| 60 months | 6.20 | 6.55 | 7.04 | 7.29 | 7.79 | 8.80 | 9.06 |
| 66 months | 6.45 | 6.82 | 7.27 | 7.52 | 7.92 | 8.93 | |
| 72 months | 6.69 | 7.00 | 7.50 | 7.75 | |||
| 78 months | 6.82 | 7.12 | 7.62 | 7.87 | |||
| 84 months | 7.06 | ||||||
*Rates updated as of 11/20/2025 *Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. **A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. | |||||||
| Term | 2022 & Newer* | 2021* | 2020* | 2019* | 2018* | 2017 - 2011* | 2010 & Older* |
|---|---|---|---|---|---|---|---|
| 36 months | 7.96 | 8.21 | 8.21 | 9.21 | 9.21 | 10.21 | 10.95 |
| 48 months | 7.96 | 8.20 | 8.20 | 9.21 | 9.21 | 10.20 | 11.36 |
| 60 months | 7.96 | 8.21 | 8.21 | 9.21 | 9.21 | 10.21 | 11.86 |
| 66 months | 8.21 | 8.71 | 8.71 | 9.71 | 9.71 | 10.71 | 11.86 |
| 72 months | 8.21 | 8.71 | 8.71 | 9.71 | 9.71 | 10.71 | 12.36 |
*Rates updated as of 11/20/2025 *Rate may vary based on credit score. Street bikes only. No ATVs or dirt bikes. **A $195 loan origination fee applies to Motorcycle loans. The fee is calculated into the APR provided in the payment examples. | |||||||
| Term | 2022 & Newer* | 2021* | 2020* | 2019* | 2018* | 2017 - 2011* | 2010 & Older* |
|---|---|---|---|---|---|---|---|
| 36 months | 7.96 | 8.21 | 8.21 | 9.21 | 9.21 | 10.21 | 10.95 |
| 48 months | 7.96 | 8.20 | 8.20 | 9.21 | 9.21 | 10.20 | 11.36 |
| 60 months | 7.96 | 8.21 | 8.21 | 9.21 | 9.21 | 10.21 | 11.86 |
| 66 months | 8.21 | 8.71 | 8.71 | 9.71 | 9.71 | 10.71 | 11.86 |
| 72 months | 8.21 | 8.71 | 8.71 | 9.71 | 9.71 | 10.71 | 12.36 |
| 84 months | 9.21 | 9.71 | 9.71 | 10.96 | 10.96 | 11.21 | 12.36 |
| 120 months | 10.21 | 10.71 | 10.71 | 11.46 | 11.46 | 11.71 | 12.72 |
| 144 months | 10.71 | 11.21 | 11.21 | 11.96 | 11.96 | 12.21 | 13.22 |
*Rates updated as of 11/20/2025. *Rate may vary based on credit score. ** A $195 loan origination fee applies to Boat/RV loans. The fee is calculated into the APR provided in the payment examples. | |||||||
| Term | 2022 & Newer* | 2021* | 2020* | 2019* | 2018* | 2017 - 2011* | 2010 & Older* |
|---|---|---|---|---|---|---|---|
| 36 months | 8.06 | 8.55 | 8.55 | 8.95 | 8.95 | 9.21 | 9.46 |
| 48 months | 8.55 | 9.06 | 9.06 | 9.21 | 9.21 | 9.46 | 9.70 |
| 60 months | 8.76 | 9.46 | 9.46 | 9.71 | 9.71 | 9.96 | 10.21 |
| 72 months | 9.21 | 9.70 | 9.70 | 9.96 | 9.96 | 10.21 | 10.46 |
| 84 months | 9.71 | 10.21 | 10.21 | 10.51 | 10.51 | 10.71 | 10.96 |
*Rates updated as of 11/20/2025. *Rate may vary based on credit score. ** A $195 loan origination fee applies to ATV/Dirt Bikes/Tractor/Lawnmower/Misc. loans. The fee is calculated into the APR provided in the payment examples. | |||||||
| Term | APR (Annual Percentage Rate)* |
|---|---|
| 12 months | 10.15% |
| 24 months | 10.15% |
| 36 months | 10.75% |
| 48 months | 11.00% |
| 60 months | 11.15% |
*Rates updated as of 11/20/2025 *Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. 11/20/2025 | |
| Term | APR (Annual Percentage Rate)* | Minimum Loan Amount |
|---|---|---|
| 12 months | 8.12% | N/A |
| 24 months | 7.19% | N/A |
| 36 months | 7.33% | $3,000 |
| 48 months | 7.14% | $5,000 |
| 60 months | 8.03% | $7,000 |
| 72 months | 7.95% | $12,000 |
| 84 months | 8.05% | $20,000 |
| 96 months | 8.22% | $25,000 |
| 108 months | 8.20% | $25,000 |
| 120 months | 8.43% | $25,000 |
| 132 months | 8.39% | $30,000 |
| 144 months | 8.38% | $30,000 |
| 156 months | 8.37% | $30,000 |
| 168 months | 8.62% | $30,000 |
| 180 months | 8.61% | $30,000 |
*Rates updated as of 11/20/2025. **Rate may vary based on credit score. ***A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples. | ||
| Term | APR (Annual Percentage Rate)* |
|---|---|
| 12 months | 10.15% |
| 24 months | 10.15% |
| 36 months | 10.75% |
| 48 months | 11.00% |
| 60 months | 11.15% |
*Rates updated as of 11/20/2025. *Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. | |
Visa Credit Card Rates
| Card Type | APR (Annual Percentage Rate)* |
|---|---|
| VISA Platinum | 9.90% |
| VISA Gold | 14.90% |
| VISA Classic | 17.90% |
*9.9% APR is valid for new purchases, balance transfers and cash advances on cash advances on personal HHCU Visa Platinum credit cards as of 11/20/2025. All loans are subject to credit approval. Card rate is based on credit worthiness. Rates subject to change. **Creditcards.com weekly rate report as of 8-26-24 places the average credit card interest rate at 20.56%. Methodology: The national average credit card APR is comprised of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers. Introductory, or teaser, rates are not included in the calculations. | |
Mortgage Loan Rates
Our team of experienced lenders are here to help you with all of the opportunities that come with home purchase. Whether you are buying your first one, looking to refinance or open a home equity line of credit, we’re here to help you with your options!