Rates
Whether you’re saving for the future or financing what matters most, you’ll find rates designed to help you reach your goals faster.
Savings Rates
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| FREE Checking | Average balance of less than $1,000 | 0.00 | 0.00 |
| FREE Checking | Average balance of $1,000 or more | 0.05 | 0.05 |
| Smart Spending (Teen Checking) | Average balance of less than $1,000 | 0.00 | 0.00 |
| Smart Spending (Teen Checking) | Average balance of $1,000 or more | 0.05 | 0.05 |
*Rates may change after account is opened. Rates effective as of 9/4/2026 *$1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.) | |||
| Type | APY | Dividend Rate |
|---|---|---|
| Regular Savings | 0.10% | 0.10 |
| Club Accounts** | 0.10% | 0.10 |
| Goal-Based Savings | 0.00% | 0.00 |
*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *$0.01 minimum balance required to earn APY. *Dividends are calculated quarterly and paid quarterly. **Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 9/4/2026 | ||
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 60 month | $10,000.00 | 3.50 | 3.56% |
| 60 month | $500.00 | 3.25 | 3.30% |
| 48 month | $10,000.00 | 3.50 | 3.56% |
| 48 month | $500.00 | 3.25 | 3.30% |
| 36 month | $10,000.00 | 3.25 | 3.56% |
| 36 month | $500.00 | 3.25 | 3.30% |
| 30 month | $10,000.00 | 3.50 | 3.56% |
| 30 month | $500.00 | 3.25 | 3.30% |
| 24 month | $10,000.00 | 3.50 | 3.56% |
| 24 month | $500.00 | 3.25 | 3.30% |
| 18 month | $10,000.00 | 3.25 | 3.30% |
| 18 month | $500.00 | 3.00 | 3.04% |
| 12 month | $10,000.00 | 3.25 | 3.30% |
| 12 month | $500.00 | 3.00 | 3.04% |
| 12 month Save to Win | $25.00 | 3.00 | 3.04% |
| 6 month | $10,000.00 | 3.25 | 3.30% |
| 6 month | $500.00 | 3.00 | 3.04% |
| 5 month special** | $5,000.00 | 3.69 | 3.75% |
| 3 month | $10,000.00 | 1.20 | 1.21% |
| 3 month | $500.00 | 1.00 | 1.00% |
Deposits encouraged with the Save to Win certificate. Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria. Dividends are calculated monthly and paid monthly. **5 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 6-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 05/29/2025. Rates updated on 9/4/2026. | |||
| Balance | Dividend Rate | APY |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17% |
| $100,000 - $249,999 | 1.80 | 1.81% |
| $50,000 - $99,999 | 1.50 | 1.51% |
| $25,000 - $49,999 | 1.05 | 1.06% |
| $10,000 - $24,999 | 0.85 | 0.85% |
| $2,500 - $9,999 | 0.65 | 0.65% |
| $0 - $2,499 | 0 | 0.00% |
* Rates may change after the account is opened. * Fees may reduce earnings on the account. * No minimum balance is due to open an account. * $2,500 minimum balance required to earn dividend * A $2.00 monthly service fee applies if month end balance falls below $1000. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/4/2026 | ||
| Balance | Dividend Rate | APY* |
|---|---|---|
| $3,000,000 - Above | 3.98 | 4.05 |
| $1,000,000 - $2,999,999 | 3.78 | 3.85 |
| $500,000 - $999,999 | 3.49 | 3.55 |
| $250,000 - $499,999 | 3.11 | 3.15 |
| $5,000 - $249,999 | 0.05 | 0.05 |
*APY = Annual Percentage Yield. Rates are effective as of 9/4/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/4/2026 | ||
| Balance | Dividend Rate | APY* |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17 |
| $100,000 - $249,999 | 1.80 | 1.81 |
| $50,000 - $99,999 | 1.50 | 1.51 |
| $25,000 - $49,999 | 1.05 | 1.06 |
| $10,000 - $24,999 | 0.85 | 0.85 |
| $2,500 - $9,999 | 0.65 | 0.65 |
| $0 - $2,499 | 0 | 0 |
*APR = Annual Percentage Rate. APY= Annual Percentage Yield. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/4/2026 | ||
| Type | APY | Dividend Rate |
|---|---|---|
| Type APY Dividend Rates Health Savings Account | 0.60% | 0.60 |
* Rates may change after the account is opened. * $5 minimum balance required to open account. * $0.01 minimum balance required to earn APY. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/4/2026 | ||
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 12 month Save to Win | $25.00 | 2.10 | 2.12% |
Deposits encouraged with the Save to Win certificate. Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria. Dividends are calculated monthly and paid monthly. Rates updated on 9/4/2026. | |||
Consumer Loans
| Term | 2026 APR | 2025 APR | 2024 APR | 2023–2021 APR | 2020–2019 APR | 2018–2017 APR | 2016–1999 APR |
|---|---|---|---|---|---|---|---|
| 60 months | 4.65% | 4.65% | 5.23% | 5.23% | 6.56% | 6.56% | 7.81% |
| 72 months | 5.16% | 5.16% | 6.25% | 6.25% | |||
| 84 months | 6.46% | 6.46% | |||||
*Rates updated as of 9/4/2026 *Loan terms are available up to 84 months. *Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. *A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. | |||||||
| Term | 2026–2025 APR | 2024–2021 APR | 2020–2017 APR | 2016–1999 APR |
|---|---|---|---|---|
| 36 months | 7.82% | 8.14% | 9.30% | 10.22% |
| 60 months | 7.48% | 8.51% | 9.46% | 9.88% |
| 84 months | 8.12% | 8.67% | 10.81% | 11.32% |
*Rates updated as of 9/4/2026. *Loan terms are available up to 144 months. *Rates and available terms may vary based on creditworthiness, loan amount, collateral and other qualifications. A $195 loan origination fee applies. An additional $14 UCC filing fee applies to eligible collateral without a title. Proof of insurance may be required. | ||||
| Term | APR (Annual Percentage Rate)* |
|---|---|
| 12 months | 10.15% |
| 24 months | 10.15% |
| 36 months | 10.75% |
| 48 months | 11.00% |
| 60 months | 11.15% |
*Rates updated as of 9/4/2026 *Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. 9/4/2026 | |
| Term | APR (Annual Percentage Rate)* |
|---|---|
| 36 months | 7.18% |
| 48 months | 7.18% |
| 60 months | 7.97% |
*Rates updated as of 9/4/2026. *Loan terms are available up to 180 months. *Rate may vary based on credit score. *A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples. | |
| Term | APR (Annual Percentage Rate)* |
|---|---|
| 12 months | 10.15% |
| 24 months | 10.15% |
| 36 months | 10.75% |
| 48 months | 11.00% |
| 60 months | 11.15% |
*Rates updated as of 9/4/2026. *Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. | |
| Term | APR |
|---|---|
| 12 months | 9.90% |
*Rates updated as of 9/4/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87. | |
Visa Credit Card Rates
| Card Type | Purchases APR | Balance Transfers APR | Cash Advance APR |
|---|---|---|---|
| Visa Platinum | 9.90% | 9.90% | 9.90% |
| Visa Gold | 14.90% | 14.90% | 14.90% |
| Visa Classic | 17.90% | 17.90% | 17.90% |
| Share Secured Visa | 17.90% | 17.90% | 17.90% |
*Rates updated as of 9/4/2026. Rates apply to purchases, balance transfers and cash advances. All loans are subject to credit approval. Card rates are based on creditworthiness and are subject to change. **A foreign transaction fee may be imposed on transactions processed outside of the United States. | |||
Mortgage Loan Rates
Our team of experienced lenders are here to help you with all of the opportunities that come with home purchase. Whether you are buying your first one, looking to refinance or open a home equity line of credit, we’re here to help you with your options!