Competitive Rates to Fit Your Financial Goals
For years, Hercules First Federal Credit Union has offered the most comprehensive consumer lending department anywhere! It is our mission to offer the lowest loan interest rates possible to our members. Whatever your financing need is, we offer the most competitive terms, along with the most convenient, fast, and friendly service anywhere.
Applying is easy! You can apply online, stop by the Credit Union, or simply call one of our Loan Specialists. In most cases, we can approve and close your loan the very same day you apply.
Explore our current rates for:
Applying is easy! Apply online, visit a branch, or call one of our Loan Specialists. In many cases, we can approve and finalize your loan the same day. Let us help you get the best rates and the best service—because your financial success is our priority.
Rates
View Our RatesAuto Loan Rates
Rates current as of July 23, 2025
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 3.84% APR and a 60 month term is $18.34 per $1,000. Membership required. Based on eligibility.
Rates
View Our RatesRecreational Vehicle Loans Rates
Rates current as of July 23, 2025
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 5.84% APR and 60 month term is $19.26 per $1,000 borrowed. Membership required. Based on eligibility.
Other rates & terms available, call for details.
Rates
View Our Rates1st Mortgage Rates
*INCLUDES A 1% ORIGINATION FEE
Rates current as of July 23, 2025
** Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI).
Rates
View Our Rates2nd Mortgage Rates
Rates current as of July 23, 2025
* Annual Percentage Rate. Rates and terms are based on creditworthiness, loan-to-value (LTV), occupancy, loan purpose and loan amount, so your rate and terms may differ. Up to 90% LTV financing is available on single family detached residences, and it is based on credit worthiness. All rates and terms quoted apply to properties that are occupied by the borrower.
Other rates & terms available, call for details.
Rates
View Our RatesHome Equity Line of Credit (HELOC) Rates
Rates current as of July 23, 2025
* Annual Percentage Rate. Rates and terms are based on creditworthiness, loan-to-value (LTV), occupancy, loan purpose and loan amount, so your rate and terms may differ. Up to 90% LTV financing is available on single family detached residences, and it is based on credit worthiness. All rates and terms quoted apply to properties that are occupied by the borrower.
Home Equity Lines – Fees, generally ranging from $50 to $1000 may be incurred depending on loan amount and loan-to-value (LTV). Maximum APR on variable rate is 18%.
Other rates & terms available, call for details.
Rates
View Our RatesVISA Credit Card Rates
Rates current as of July 23, 2025
*Annual Percentage Rate. On approved credit. Membership required-based on eligibility. A 1% foreign transaction fee may apply.
Rates
View Our RatesSignature Loans Rates
Rates current as of July 23, 2025
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 5.84% APR and 60 month term is $19.26 per $1,000 borrowed. Membership required. Based on eligibility.
Other rates & terms available, call for details.
Rates
View Our RatesSavings Accounts, IRAs, & Certificates
Rates current as of July 23, 2025
*Annual Percentage Yield. Rates are subject to change without notice. Call to verify current rates.
**After reaching the minimum deposit, certificates may be purchased in any amount. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, we will automatically renew it at the current rate for that maturity. The interest rate remains the same for the term of the deposit. There is a three month interest penalty for early withdrawals on maturities of 2 years or less and a 6 month penalty on maturities 3 years or more. You choose the term you need to meet your investment goals and your anticipation of the change in interest rates.
***If rates go up you can “step up” to the higher rate one time over the life of the certificate. The “step up rate” can be adjusted to the new current 5 year certificate rate