Loans
Efficient and Easy FinancingYour Goals, Our Support — Every Step of the Way
At Hercules First Federal Credit Union, we're here to help you finance life’s biggest moments. Whether you're buying your first home, refinancing, exploring a second mortgage, or applying for a business or personal loan, our experienced team is here to guide you. We also offer competitive financing for vehicles — including autos, RVs, and motorcycles. No matter what your goals are, we’ve got the right loan to help you get there!
Homes
Home Buying Made EasyHome Loans Tailored for You
Whether you’re buying your first home, upgrading, or refinancing, we’re here to make the process smooth and stress-free. Our expert team offers personalized mortgage solutions with competitive rates, flexible terms, and a seamless application experience. No matter your homeownership goals, we’ll guide you every step of the way.
Ready to find the perfect loan?
Business
Supporting Your SuccessBusiness Loans
to Help You Grow
Get the funding your business needs—whether you're expanding, investing in equipment, or managing cash flow. With flexible loan options and competitive rates, Hercules First Federal Credit Union is here to support your success.
Auto
Simple and Affordable FinancingNew & Used Auto Loans
Whether you’re shopping for a car, truck, SUV, van or crossover, Mountain America has the financing to help you get the vehicle you want. Our low-rate auto loans are great for both new and used vehicles. We also offer auto-loan refinancing options. Be on your way in no time with a quick and easy application process, especially with our online and mobile banking services.
Going to the dealership? Let them know that you want your financing to go through Hercules. They can process your loan and get you on the road!
Signature
Funding Your DreamsTake care of your immediate needs with a personal loan
Make a major purchase, consolidate debt or cover unexpected expenses with a Hercules First Federal Credit Union personal loan (also known as a signature loan). Get some of the best interest rates and terms to pay for short-term expenses like taxes, vacations or debt consolidation.
VISA
VISA Credit CardGet the rewards you deserve at a low fixed rate with a Hercules Credit Union Visa® Rewards Card
Your daily purchases have never been more rewarding. With a Hercules Rewards Visa card, you earn points with every purchase—from groceries to fuel, and entertainment to utilities. And unlike other rewards programs, it’s easy to redeem your points through our home banking platform or on your Hercules App.
Rates
Competitive RatesCheck Out
Our Current Rates
Looking for the best rates on auto loans, mortgages, credit cards, or savings accounts? At Hercules First Federal Credit Union, we offer competitive rates to help you save more and borrow smarter. Explore our latest rates and find the right option for you.