Current Rates

View Our Rates

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.

Mortgage Rates

Term1.0% Origination FeeAPR
15 year5.812%
20 year6.000%
30 year6.063%

Rates as of:

February 27, 2024

** 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).

New & Used Auto and 750cc + Motorcycle Loan Rates

FICO Score48 Months60 Months72 Months84 Months
730+6.69% APR*6.99% APR7.49% APR7.99% APR
700+7.19% APR7.49% APR7.99% APR8.49% APR
670+8.69% APR8.99% APR9.49% APR9.99% APR
640+10.69% APR10.99% APR11.49% APR11.99% APR
600+13.69% APR13.99% APR14.49% APR14.99% APR
550+16.19% APR16.49% APR16.99% APR17.49% APR
549 or less17.19% APR17.49% APR17.99% APR17.99% APR

Rates current as of:

February 27, 2024

*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.

Signature Loans

FICO Score36 Months48 Months60 Months72 Months
730+11.29%11.79%12.19%12.79%
700+11.79%12.29%12.69%13.29%
670+13.29%13.79%14.19%14.79%
640+15.29%15.79%16.19%16.79%
600+17.99%17.99%17.99%N/A
550+17.99%17.99%N/AN/A
549 or less17.99%N/AN/AN/A

Rates current as of:

February 27, 2024

*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.

Home Equity/2nd Mortgage Rates

Home Equity Loans (5/10/15 yrs)80% LTV90% LTV
730+7.24% / 7.74% / 8.24%8.24% / 8.74% / 9.24%
700+7.74% / 8.24% / 8.74%8.74% / 9.24% / 9.74%
670+8.24% / 8.74% / 9.24%9.24% / 9.74% / 10.24%
640+9.24% / 9.74% / 10.24%10.24% / 10.74% / 11.24%
600+11.24% / 11.74% / 12.24%NA% / NA% / NA%
550+14.24% / 14.74% / 15.74%NA% / NA / NA
549 or less16.24% / 16.74% / 17.24%NA / NA / NA
---------------------------------------------------
Home Equity Lineto 80% LTVto 90% LTV
730+8.50%9.50%
700+8.50%9.50%
670+9.00%10.00%
640+9.50%10.50%
600+10.50%NA
550+11.50%NA
549 or less12.50%NA

Rates current as of:

February 27, 2024

* 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.

VISA Credit Card Rates

TypeF/VTermAPR*
VISA PlatinumFixedN/A9.95%

Rates current as of:

February 27, 2024

*Annual Percentage Rate. On approved credit. Membership required-based on eligibility. A 1% foreign transaction fee may apply.

Savings Accounts, IRAs, & Certificates

TypeMinimum DepositDividend RateAPY*
Regular Savings$500.10%0.100%
Money Fund Savings$500.05%0.050%
Money Fund Savings$2,5000.25%0.250%
Money Fund Savings$25,0000.50%0.501%
Money Fund Savings$75,0000.80%0.802%
Money Fund Savings$250,0001.15%1.155%
Regular Checking$5000.05%0.050%
Premier Checking$5000.05%0.050%
Gold Tier Checking$1,500 - $20,0000.25%0.250%
Gold Tier Checking$20,000+0.10%0.100%
6 Month Certificate$1,000**2.00%2.015%
1 Year Certificate$02.75%2.778%
2 Year Certificate$1,0003.25%3.290%
3 Year Certificate$1,0003.50%3.546%
4 Year Certificate$1,0003.75%3.803%
5 Year Certificate$1,0004.00%4.060%
5 Year Step-Up CD***$1,000**4.00%4.060%
IRA SavingsN/A0.20%0.20%
IRA Certificate$1,000Same Rates & Terms as Regular CDs

Rates current as of:

February 27, 2024

*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

Online Banking Login


Forgot Password

You are leaving our site...

This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

Would you like to continue?

You are leaving our site...

This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

Would you like to continue?

You are leaving our site...

This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

Would you like to continue?

You are leaving our site...

This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

Would you like to continue?

You are leaving our site...

This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

Would you like to continue?