Current Rates

For years, Hercules Credit Union has offered the most comprehensive consumer lending department anywhere! It is the mission of the Hercules Credit Union to offer the lowest 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, request a faxed loan application, request an email loan application, stop into 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.

Auto, RV and Boat Loans

Fico Score Up to 60 months Up to 72 months Up to 84 months
730+ 2.75% APR* 3.19% APR 3.49% APR
700+ 2.99% APR 3.29% APR
3.75% APR
670+ 3.74% APR 4.24% APR 6.25% APR
640+ 4.99% APR 6.95% APR 7.75% APR
600+  6.95% APR 9.25% APR 10.25% APR
550+  9.95% APR n/a n/a
549 or less 15.95% APR n/a n/a

* APR – Annual Percentage Rate. Rates are fixed and listed as of April 1, 2017, OAC. Rates are 2.49% APR on auto loans with term of 36 months or less for members with 730+ credit scores. 8-10 year terms are available at .50% above the 84 month term. Other rates & terms available, call for details.

Other Vehicle Loans

ATVs & Toys
Fixed up to 5 Years as low as 4.99%
Signature Fixed up to 5 Years
as low as 9.95%

* Rates as low as listed as of April 1, 2017, OAC. Other rates & terms available, call for details.

Mortgage Rates Utah

Type F/V Term APR
Home Equity Line
80% LTV
Variable
N/A
3.40%
90% LTV
Variable
N/A
4.40%
100% LTV
Variable
N/A
5.40%
Home Equity Loan
80% LTV
Fixed
up to 5 Years
as low as 3.50%
90% LTV
Fixed
up to 5 Years
as low as 5.95%
100% LTV
Fixed
up to 5 Years
as low as 6.95%
80% LTV
Fixed
up to 10 Years
as low as 4.25%
90% LTV
Fixed
up to 10 Years
as low as 6.95%
100% LTV
Fixed
up to 10 Years
as low as 7.95%
80% LTV
Fixed
up to 15 Years
as low as 4.99%
90% LTV
Fixed
up to 15 Years
as low as 7.95%
100% LTV
Fixed
up to 15 Years
as low as 8.95%

* Mortgage Rates as of April 1, 2017, OAC. Other rates & terms available, call for details.

Visa Credit Card Interest Rate

Type F/V Term APR
VISA Platinum Fixed N/A 9.95%

* Rates as of April 1, 2017, OAC.

Apply For A Low Rate Loan Today!

Savings Account & Certificates Of Deposit Rates

Type
MIN
RATE
APY
Regular Savings $ 100 0.10% 0.10%
Money Fund Saving $ 2,500 0.20% 0.20%
6 Month Certificate $ 1,000 0.25% 0.25%
1 Year Certificate $ 1,000 0.45% 0.45%
2 Year Certificate $ 1,000 0.75% 0.75%
3 Year Certificate $ 1,000 0.90% 0.90%
4 Year Certificate $ 1,000 1.14% 1.14%
5 Year Certificate $ 1,000 1.99% 2.00%

* Rates as of April 1, 2017.