Rates

Rates Effective: 03/12/2018

Annual Percentage Yield (APY)
Annual Percentage Rate (APR)

Share Savings and Escrow Accounts

Minimum  to Open
$25
Minimum to earn Dividends
$200
Rate
.01%
Annual Percentage Yield
.01%

* Other fees and restrictions may apply to share savings and escrow accounts. See Terms and Conditions & Fee Schedule for further details. Dividends compounded quarterly.

Junior Executive Savings Account

Minimum  to Open
$5
Minimum  to Earn Dividends
$25
Rate
.01%
Annual Percentage Yield
.01%

* Other fees and restrictions may apply to Junior Executive Savings Account. See Jr. Executive brochure & Fee Schedule for further details. Dividends compounded quarterly.

Safe Asset Management Account (SAM)

Minimum to Open
$2,500
Minimum to Earn Dividends
$0 - $2,499.99
Rate
.01%
APY
.01%
$2,500 - $19,999.99 .02% .02%
$20,000 - $49,999.99 .05% .05%
$50,000+ .10% .10%

* Other fees and restrictions may apply to SAM accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

Share Certificates and Individual Retirement Accounts (IRA)

Term
6 months*
Minimum to Open
Not available at this time
Min. to Earn Dividends
N/A
Rate
N/A
APY
N/A
12 months* Not available at this time N/A N/A N/A
24 months* $1,000 $1,000 .35% .35%
36 months* $1,000 $1,000 1.00% 1.01%
48 months* $1,000 $1,000 1.31% 1.32%
60 months* $1,000 $1,000 1.50% 1.51%

*  Early withdrawal penalties may apply. Terms of 365 days or less may result in a 90 day loss of dividends earned or not if withdrawn before maturity. Terms of 366 days or greater may result in a 180 day loss of dividends earned or not if withdrawn before maturity.  Other fees and restrictions may apply to share certificate and IRA accounts. See Terms and Conditions & Fee Schedule for further details. New IRA's not currently offered. Dividends compounded quarterly.

Share Draft/Checking Accounts

Name of Account
No Frills
Min. to Open
$0.00
Min. to Earn Dividends
$750
Monthly Service Charge
$0.00
Rate
.01%
APY
.01%
HOT Line $0.00 $750 $5.00 .01% .01%
GEM $0.00 $750 $9.75 .01% .01%

* Other fees and restrictions may apply to share draft/checking accounts. See Terms and Conditions & Fee Schedule for further details. Dividends paid monthly.

Automobile & Recreational Type Vehicles

Type
New Cars*
APR
As low as 2.15%
Use Cars* As low as 2.15%
New Motorcycle* As low as 3.95%
Used Motorcycle* As low as 5.95%
New Travel Trailer/Motor Home* As low as 4.95%
Used Travel Trailer/Motor Home* As low as 7.95%
Boats* As low as 4.95%

* Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.

Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.

Unsecured Personal Loans

Type
Unsecured/Personal Loan
APR
As low as 7.99%

*Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances.

Real Estate/Home Equity

Because rates for home loans may change multiple times on a daily basis, call HOTFCU for up to date rates. HOTFCU is very competitive with any published rates.

*Rates and Terms are based on credit history and length of financing.

Fees may reduce earnings on accounts listed above. See Fee Schedule

LOANS AND SAVINGS RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.