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. | |