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Loan Rates

This Rate Schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as a part of your account agreement with Huntington Beach City Employee Credit Union.

For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share account were offered within the most recent seven calendar days and were accurate as of July 23rd, 2010.
Rates are subject to change.
Please call (714) 536-6517 to obtain current rate information.
LOAN TERMS APR
New Auto (Call for details) 6.5-11.5%
Used Auto (100% Low Blue Book) 8%
New Motor home (60% financing with 5 - 15 years re-payment) 7 - 10%
Used Motor home (60% low Blue Book with 5 - 15 years re-payment) 7 - 10%
New Boats (Call for details) 8%
Used Boats (60% financing with 5 - 12 years re-payment) 10%
New Motorcycles (60% financing with 60 month re-payment) 9.9%
Used Motorcycles (60% financing low Blue Book 60 month re-payment) 10.5%
Personal Water craft (new) (60% financing with 3 years re-payment) 10.5%
Pledge of Shares (Call for details) 6%
Home Equity (Call for details) CALL
Unsecured (Call for details) 12%
Line of Credit (Call for details) 13.5%
Co-maker (Call for details) 15%
Over Draft (Call for details) 15%
VISA Classic (Call for details) 15.0%
VISA Gold (Call for details) 11.9%
VISA Platinum (Call for details) 9.0%
SHARE RATES APR APY
Shares ($100 to $25,000) 0.25% 0.25%
Shares (Over $25,000) 0.50% 0.50%
IRA's (Up To $50,000) 2.25% 2.27%
IRA's (Over $50,000) 2.50% 2.52%
Share Certificates: $2,500.00 minimum as of 7/23/2010
3 month 0.500% 0.500%
6 month 1.00% 1.00%
12 month n/a% n/a%
     
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