-
Consumer Loan Rates
Auto/Truck
Term 2022 & Newer* 2021* 2020* 2019* 2018* 2017 - 2011* 2010 & Older* 36 months 48 months 60 months 66 months 72 months 78 months 84 months *Rates updated as of 7-8-25.
*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.
Motorcycle
Term 2022 & Newer* 2021* 2020* 2019* 2018* 2017-2011* 2010 & Older* 36 months 48 months 60 months 66 months 72 months *Rates updated as of 7-8-25.
*Rate may vary based on credit score. Street bikes only. No ATVs or dirt bikes.
**A $195 loan origination fee applies to Motorcycle loans. The fee is calculated into the APR provided in the payment examples.
Boat/RV
Term 2022 & Newer* 2021* 2020* 2019* 2018* 2017-2011* 2010 & Older* 36 months 48 months 60 months 66 months 72 months 84 months 120 months 144 months *Rates updated as of 7-8-25.
*Rate may vary based on credit score.
** A $195 loan origination fee applies to Boat/RV loans. The fee is calculated into the APR provided in the payment examples.
ATV / Dirt Bikes / Tractor / Lawnmower / Misc
Term 2022 & Newer* 2021* 2020* 2019* 2018* 2017-2011* 2010 & Older* 36 months 48 months 60 months 72 months 84 months *Rates updated as of 7-8-25.
*Rate may vary based on credit score.
** A $195 loan origination fee applies to ATV/Dirt Bikes/Tractor/Lawnmower/Misc. loans. The fee is calculated into the APR provided in the payment examples.
Unsecured Loan Rates
Term APR (Annual Percentage Rate)* 12 months 24 months 36 months 48 months 60 months *Rates updated as of 7-1-24.
*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.
Solar Loan Rates
Term APR (Annual Percentage Rate)* Minimum Loan Amount 12 months 24 months 36 months $3,000 48 months $5,000 60 months $7,000 72 months $12,000 84 months $20,000 96 months $25,000 108 months $25,000 120 months $25,000 132 months $30,000 144 months $30,000 156 months $30,000 168 months $30,000 180 months $30,000 *Rates updated 1-17-24.
**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.
Consumer Visa Credit Card
Rate/Fee Hoosier Hills Visa Platinum* National Average** Annual Percentage Rate (APR) 9.90% 20.56% Cash Advance Fee 0 5% Balance Transfer Fee 0 5% *9.9% APR is valid for new purchases, balance transfers and cash advances on cash advances on personal HHCU Visa Platinum credit cards as of 8-26-24. All loans are subject to credit approval. Card rate is based on credit worthiness. Rates subject to change.
**Creditcards.com weekly rate report as of 8-26-24 places the average credit card interest rate at 20.56%. Methodology: The national average credit card APR is comprised of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers. Introductory, or teaser, rates are not included in the calculations.
Card Type APR (Annual Percentage Rate)* VISA Platinum 9.90% VISA Gold 14.90% VISA Classic 17.90% *Card rate may vary based on credit score. Rates subject to change. Rates updated on 8-26-24.
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!
-
Savings Rates
Savings Rates
Certificates
Term Minimum Deposit Dividend Rate APY 60 month $10,000 3.50 3.56 60 month $500 3.25 3.30 48 month $10,000 3.50 3.56 48 month $500 3.25 3.30 36 month $10,000 3.50 3.56 36 month $500 3.25 3.30 30 month $10,000 3.50 3.56 30 month $500 3.25 3.30 24 month $10,000 3.50 3.56 24 month $500 3.25 3.30 18 month $10,000 2.35 2.38 18 month $500 2.10 2.12 12 month $10,000 2.35 2.38 12 month $500 2.10 2.12 12 month Save to Win $25 2.10 2.12 10 month special* $5,000 3.59 3.65 6 month $10,000 2.50 2.53 6 month $500 2.25 2.27 5 month special** $5,000 3.94 4.00 3 month $10,000 1.20 1.21 3 month $500 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.
*10 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 12-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.
**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 5-29-25.
Money Market
Dividend Rate APY $250,000 - Above 2.60 2.63 $100,000 - $249,999 2.10 2.12 $50,000 - $99,999 1.95 1.97 $25,000 - $49,999 1.50 1.51 $10,000 - $24,999 1.30 1.31 $2,500 - $9,999 1.10 1.11 $0 - $2,499 0 0 * 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.
Rates effective as of 12-1-24
IRA Money Market
Dividend Rate APY* $250,000 - Above 2.60 2.63 $100,000 - $249,999 2.10 2.12 $50,000 - $99,999 1.95 1.97 $25,000 - $49,999 1.50 1.51 $10,000 - $24,999 1.30 1.31 $2,500 - $9,999 1.10 1.11 $0 - $2,499 0 0 *APR = Annual Percentage Rate. APY= Annual Percentage Yield.
Rates effective as of 12-1-24
High Yield Money Market
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 2/3/2025. 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.
Rates effective as of 2-3-25
HSA
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.
Rates effective as of 2-1-24
Savings
Type APY Dividend Rates 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.
**Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated.
Rates effective as of 2-1-24
Checking
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 *Rates may change after account is opened.
*$1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.)