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Rate Information


APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 7/19/2010.
Rate Description Term Payment Description APR APR Type
New Auto (less than 6,000 miles) 0-36 Weekly, Bi-Weekly, Semi-Monthly, Monthly 3.50%-18.0% Fixed
New Auto (less than 6,000 miles) 36-72 3.70%-18.0% Fixed
Auto 1 - 2 years old 0-72 3.90%-18.0% Fixed
Auto 3 - 4 years old 0-60 5.75%-18.0% Fixed
Auto 5 - 6 years old 0-48 6.75%-18.0% Fixed
Auto 7 - 8 years old 0-48 8.75%-18.0% Fixed
Auto 9 years - and Older 0-48 9.75%-18.0% Fixed
Boats, Motors, & Trailers
New - 2		 0-144 7.25%-18.0% Fixed
Boats, Motors, & Trailers
3 - 4		 0-96 8.75%-18.0% Fixed
Boats, Motors, & Trailers
5 - 8		 0-60 9.75%-18.0% Fixed
Boats, Motors, & Trailers
9 and Older		 0-48 11.75%-18.0% Fixed
Motorcylces, and ATV
New - 2		 0-60 6.75%-18.0% Fixed
Motorcycles, and ATV
3 - 4		 0-60 7.75%-18.0% Fixed
Motorcycles, and ATV
5 - 8		 0-48 8.25%-18.0% Fixed
Motocycles, and ATV
9 and Older		 0-48 9.75%-18.0% Fixed
Recreational Vehicles, and Travel Trailers New - 2 0-144 6.75%-18.0% Fixed
Recreational Vehicles, and Travel Trailers 3 - 4 0-96 7.75%-18.0% Fixed
Recreational Vehicles, and Travel Trailers 5 - 8 0-72 8.25%-18.0% Fixed
Recreational Vehicles, and Travel Trailers 9 and Older 0-60 9.75%-18.0% Fixed
Share Secured Varied Share Dividend Rate Plus 2.00% Fixed
Personal 0-60 8.25%-18.0% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 7/19/2010.
Rate Description Term Dividend Rates APY
$1,000 6 Month 0.90% 0.90%
$10,000 6 Month 0.95% 0.95%
$25,000 6 Month 1.00% 1.01%
$50,000 6 Month 1.05% 1.06%
$1,000 12 Month 1.30% 1.31%
$10,000 12 Month 1.35% 1.36%
$25,000 12 Month 1.40% 1.41%
$50,000 12 Month 1.45% 1.46%
$1,000 24 Month 1.75% 1.76%
$10,000 24 Month 1.80% 1.82%
$25,000 24 Month 1.85% 1.87%
$50,000 24 Month 1.90% 1.92%

NOTE: Early withdrawal from certificates for 6-month terms will be subject to a 90 day dividend penalty.
Early withdrawal from certificates for 12-month terms will be subject to a 180 day dividend penalty.

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 7/19/2010.
Rate Description Term Dividend Rates APY
Share Balances below $100 Less than $100 0.00% 0.00%
Share Balances from $100-$1000 $100 to $999 0.40% 0.40%
Share Balances over $1,000 Greater than $999 0.75% 0.75%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 7/19/2010.
Rate Description Term Dividend Rates APY
Six Month 6 Month 0.90% 0.90%
One Year 12 Month 1.30% 1.31%
Two Year 24 Month 1.75% 1.76%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 7/19/2010.
Rate Description Term Dividend Rates APY
The WORKS $2000 min. balance 1.00% 1.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Your Security is Our Priority

As a part of Hilco Federal Credit Union's ongoing efforts to protect sensitive member information, we are implementing "Two-Factor Authentication" on April 8, 2008.  Internet banking information at www.hilcocu.com will even be more secure.

Two-Factor Authentication combines your computer information with personal questions that only you will know the answers.

The Process

The first time you log in after April 7, 2008, you will be prompted to authenticate the PC you normally use to access your account information.  In addition you will need to answer 10 of 20 possible questions. 

The next time you log in will not be the same as it is now.

Need to Log In from another PC...

Not a problem...a message will be displayed on the PC you are using:

"This computer has not been authenticated for the Access ID entered."

You will be prompted to answer three random questions (from the 10 questions you previously answered during the authentication process).

Any Questions ?????

As always, should you need assistance or have questions, please call our office at 830/257-8238.

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