Rates
Savings Account Rates
| Type of Account | Yield APY |
|---|---|
| Classic Checking | 0.05% |
| Primary Savings | 0.05% |
| Smart Saver (ages 0–12) (up to $2,000.00, any balance above earns Primary Savings Rate)2 | 3.00% |
| Christmas Club Savings | 0.25% |
| Dream Savings | 0.05% |
| IRA Savings | 0.50% |
| Health Savings | 1.00% |
| Summer Savings | 0.05% |
Money Market Rates
| Balance | APY1 | Superior Rewards3 APY |
|---|---|---|
| $2,500 – $99,999.99 | 1.00% | 1.25% |
| $100,000 – $249,999.99 | 1.25% | 1.50% |
| $250,000 and up | 1.75% | 2.00% |
1 APY = Annual Percentage Yield
2 $5.00 minimum balance required to earn dividend. Any balance over $2,000 will earn the current Primary Savings rate posted.
2 $5.00 minimum balance required to earn dividend. Any balance over $2,000 will earn the current Primary Savings rate posted.
3 Superior Rewards requires a checking account with 10 debits or more per month OR a checking account with 5 debits per month and a direct deposit of $300
or more each month to the account.
The Annual Percentage Yield is accurate as of July 25, 2025 and is subject to change.
*Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.1
6 Month Share Certificate & IRA Certificate *
Superior Rewards2
| Certificate Balance | APR1 | APY1 | APR2 | APY2 |
|---|---|---|---|---|
| $1,000.00 – $99,999.99 | 3.00% | 3.04% | 3.50% | 3.55% |
| $100,000.00 – $249,999.99 | 3.10% | 3.14% | 3.60% | 3.66% |
| $250,000+ | 3.20% | 3.25% | 3.70% | 3.76% |
12 Month Share Certificate & IRA Certificate *
Superior Rewards2
| Certificate Balance | APR1 | APY1 | APR2 | APY2 |
|---|---|---|---|---|
| $1,000.00 – $99,999.99 | 3.30% | 3.34% | 3.80% | 3.86% |
| $100,000.00 – $249,999.99 | 3.40% | 3.45% | 3.90% | 3.96% |
| $250,000+ | 3.50% | 3.55% | 4.00% | 4.06% |
24 Month Share Certificate & IRA Certificate *
Superior Rewards2
| Certificate Balance | APR1 | APY1 | APR2 | APY2 |
|---|---|---|---|---|
| $1,000.00 – $99,999.99 | 2.00% | 2.01% | 2.50% | 2.52% |
| $100,000.00 – $249,999.99 | 2.10% | 2.11% | 2.60% | 2.62% |
| $250,000+ | 2.20% | 2.21% | 2.70% | 2.72% |
36 Month Share Certificate & IRA Certificate *
Superior Rewards2
| Certificate Balance | APR1 | APY1 | APR2 | APY2 |
|---|---|---|---|---|
| $1,000.00 – $99,999.99 | 2.05% | 2.06% | 2.55% | 2.57% |
| $100,000.00 – $249,999.99 | 2.15% | 2.16% | 2.65% | 2.67% |
| $250,000+ | 2.25% | 2.27% | 2.75% | 2.77% |
48 Month Share Certificate & IRA Certificate *
Superior Rewards2
| Certificate Balance | APR1 | APY1 | APR2 | APY2 |
|---|---|---|---|---|
| $1,000.00 – $99,999.99 | 2.10% | 2.11% | 2.60% | 2.62% |
| $100,000.00 – $249,999.99 | 2.20% | 2.21% | 2.70% | 2.72% |
| $250,000+ | 2.30% | 2.32% | 2.80% | 2.83% |
Youth Share Certificates3 (ages 0–18)
| Certificate Term | APR1 | APY1 |
|---|---|---|
| 12 Month ($500.00 – $25,000) | 3.50% | 3.55% |
| 24 Month ($500.00 – $25,000) | 2.00% | 2.01% |
1 APR = Annual Percentage Rate, APY = Annual Percentage Yield. Dividend on 6-month certificates compounds monthly; dividends on 12, 24, 36 & 48-month certificates compound quarterly. Early withdrawal may result in 180 days loss of interest. $1,000 minimum deposit required. Certificates auto-renew; term may be changed or closed within 7 days without penalty. NCUA insured up to $250,000.
2 Superior Rewards certificate rates require a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Superior Rewards members earn +0.50% over the current certificate rate.
The Annual Percentage Yield is accurate as of August 4, 2025 and is subject to change.
3 A parent or guardian joint relationship is required. 12 & 24-month certificates compound quarterly. Early withdrawal may result in 180 days loss of interest. $500 minimum deposit required. NCUA insured up to $250,000.
*Disclaimer: While we strive to keep our site updated with current rates and information, these rates may be outdated. Please call or stop in before making a final decision.
Current Rates
Business Savings
0.05%
Business Plus Checking1
0.10%
Looking for investments for your business?
Current Share Certificate and Money Market rates apply to all business accounts.
1 A $1,000 average daily balance must be maintained to earn dividends.
Auto Loan Rates
See Our Special Auto Loan Offer HERE
All model years & any mileage qualify for same low rate
| Model Year | Duration | Rates as low as | APR*1 |
|---|---|---|---|
| Any Model Year | 3 years | 4.74% | 4.992% |
| Any Model Year | 4 years | 4.74% | 4.992% |
| Any Model Year | 5 years | 4.74% | 4.992% |
| Any Model Year | 6 years | 5.94% | 6.157% |
| Any Model Year | 7 years | 6.44% | 6.630% |
RV Loan Rates
Motorcycles, ATVs, Snowmobiles, Boats/Motors/Trailers, Motor Homes & Camping Trailers2
| Model Year | Duration | Rates as low as | APR*2 |
|---|---|---|---|
| Any Model Year | 3 years | 5.74% | 6.058% |
| Any Model Year | 4 years | 5.74% | 6.058% |
| Any Model Year | 5 years | 5.74% | 6.058% |
| Any Model Year | 6 years | 6.94% | 7.214% |
| Any Model Year | 7 years | 5.94% | 7.681% |
Other Loan Rates
| Type of Loan | Duration | APR* |
|---|---|---|
| Ready Reserve Line of Credit3 Learn more | revolving | 10.00% |
| Share Secured Loan4 Learn more | up to 24 months | 1.50% above share rate |
| Unsecured Loan5 | up to 60 months | 12.567% |
* APR = Annual Percentage Rate
1 Posted rate based on credit score of 700 or higher and an active HPCU checking account (Superior Rewards). Other rates and terms are available based on current credit score. Payment example: $25,000 at 4.74% interest rate for 60 months would require 60 monthly payments of approximately $468.80. The corresponding APR is 4.992% and includes a $150 document preparation fee. Rates, APRs, payments, and terms may vary based on term and credit qualifications. Maximum loan-to-value limits apply. No internal refinance of current Harbor Pointe Credit Union loans qualify for this rate. Credit Union reserves the right to adjust rates at any time. See lender for complete details.
2 Posted rate based on credit score of 700 or higher and an active HPCU checking account (Superior Rewards). Other rates and terms are available based on current credit score. Payment example: $20,000 at 5.74% interest rate for 60 months would require 60 monthly payments of approximately $384.23. The corresponding APR is 6.058% and includes a $150 document preparation fee. Rates, APRs, payments, and terms may vary based on term and credit qualifications. Maximum loan-to-value limits apply. No internal refinance of current Harbor Pointe Credit Union loans qualify for this rate. Credit Union reserves the right to adjust rates at any time. See lender for complete details.
3 Use Ready Reserve Line of Credit for Overdraft Protection.
4 Share Secured Loan term is fixed for 24 months.
5 A $5,000 loan at 11.23% interest rate for 60 months would require 60 monthly payments of approximately $109.28. The corresponding APR is 12.567% and includes a $150 document preparation fee. Rates, APR’s, payments, and terms may vary based on term and credit qualifications. Maximum loan-to-value limits apply.
*Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.
Fixed Rate First Mortgage (In-House)
| Type of Loan | Duration | Rates as low as | APR1 |
|---|---|---|---|
| Fixed Rate First Mortgage (In-House)2 | Up to 10 years | 5.25% | 5.504% |
| First Mortgage (In-House)3 (15-Year Amortization) | 10-year balloon | 5.29% | 5.487% |
| First Mortgage (30-Year Amortization)3 | 5-year balloon | 5.69% | 5.968% |
Home Equity Loans & HELOC
| Type of Loan | Duration | Rates as low as | APR1 |
|---|---|---|---|
| Fixed Rate Home Equity4 | Up to 10 years | 7.50% | 7.522% |
| Home Equity Line of Credit (HELOC)5 (80% LTV or Less) | 15 years | 5.75%6 | — |
| HELOC (Up to 100% LTV)5 | 15 years | 7.25%6 | — |
| Prime Line Interest-Only Payment5 | 5 years | 6.75%6 | — |
Home Improvement & Land Loans
| Type of Loan | Duration | Rates as low as | APR1 |
|---|---|---|---|
| Unsecured Home Improvement | Up to 10 years | 10.99% | — |
| Unimproved Land (50% Appraised Value) | 5-year balloon | 8.79% | Varies by term |
| Unimproved Land (51%–100% Appraised Value) | 5-year balloon | 10.60% | Varies by term |
Adjustable Rate & Conventional Loans
| Type of Loan | Duration | Rates |
|---|---|---|
| 1-Year ARM (up to 30 years) | Adjusts after 1 year | Call 722-9242 for rate |
| 5-Year ARM (up to 30 years) | Adjusts after 5 years | Call 722-9242 for rate |
| 5/5 ARM (up to 30 years) | Adjusts every 5 years | Call 722-9242 for rate |
| Conventional First (secondary market) | 15, 20, 30, 40 years | Call 722-9242 for rate |
1 APR = Annual Percentage Rate.
2 Up to a 10-year term, first mortgage position only. Payment example: $100,000 at 5.25% interest rate, APR 5.504%, 120 monthly payments of $1,072.96 (principal & interest). Max LTV 80%.
3 Current HPCU in-house mortgage refinances do not qualify. See Mortgage Specialist for details.
4 Up to a 10-year term, mortgage remains at Harbor Pointe. Payment example: $25,000 at 7.50% interest rate, APR 7.522%, 120 monthly payments of $296.87 (principal & interest). Max LTV 80%.
5 APR will vary with Prime Rate (index) as published in the Wall Street Journal (WSJ).
6 As printed in the Wall Street Journal Prime Rate.
7 No closing cost offer: Active checking account required. Excludes purchase transactions. HPCU reserves the right to end promotion at any time.
*Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.
Credit Card Rates
Card Type
Rate (APR*)
Classic Visa® Credit Card (Rewards Card)
14.25% – 17.99%1
Premier Black Visa® Credit Card
11.74% – 15.74%2
* APR = Annual Percentage Rate.
1 14.25%, 15.50%, 17.00% or 17.99% based on credit score.
2 11.74%, 12.74%, 14.24% or 15.74% based on credit score.
*Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.