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 Credit Union.

Savings Accounts

Rates effective as of May 28, 2020

Regular Share & Subsidiary Share Accounts

Account Balance APR APY
$100 to $25,000 0.05% 0.05%
$25,001 & above 0.07% 0.07%

Money Market Share Accounts

Minimum Balance APR APY
$2,500 - $25,000 0.05% 0.05%
$25,001 - $50,000 0.10% 0.10%
$ 50,001 - $100,000 0.15% 0.15%
$100,001 & above 0.20% 0.20%

IRAs

Balance Amount APR APY
$100 - $25,000 0.05% 0.05%
$25,001 To $50,000 0.10% 0.10%
$50,001 To $100,000 0.15% 0.15%
$100,001 & above 0.20% 0.20%

Term Share Certificates (CDs)

Rates effective as of May 28, 2020

3 Months

Required Balance APR APY
$2,500.00 - $49,999.99 0.150% 0.150%
$50,000.00 - $99,999.99 0.200% 0.200%
$100,000.00 & above 0.250% 0.250%

6 Months

Required Balance APR APY
$2,500.00 - $49,999.99 0.150% 0.150%
$50,000.00 - $99,999.99 0.200% 0.200%
$100,000.00 & above 0.250% 0.250%

12 Months

Required Balance APR APY
$2,500.00 - $ 49,999.99 0.200% 0.200%
$50,00.00 - $ 99,999.99 0.200% 0.200%
$100,00.00 & above 0.300% 0.300%

24 Months

Required Balance APR APY
$2,500.00 - $49,999.99 0.250% 0.250%
$50,000.00 - $99,999.99 0.300% 0.300%
$100,000.00 & above 0.350% 0.350%

36 Months

Required Balance APR APY
$25,000.00 - $49,999.99 0.350% 0.350%
$50,000.00 - $99,999.99 0.400% 0.401%
$100,000.00 & above 0.450% 0.451%

Loans

Rates effective as of May 28, 2020

*APR=Annual Percentage Rate.
All rates quoted DO NOT include the rate discount available of 0.25% for auto pay from an active HBCECU checking account with minimum direct deposit of $500. The rates listed below are current as of the effective date and are not intended to be inclusive or a commitment of the pricing for which you may qualify. The loan and accompanying interest rates and APR you may qualify for are based on your credit history, loan-to-value, loan amount, loan purpose, and income/financial obligations. All loans are subject to a minimum credit qualifying score. Interest rates and APRs are subject to change without notice. Financing percentages reflect maximum amounts, and, in some cases, you may not qualify for maximum financing. Vehicle financing up to 125% includes taxes, license and insurance for qualified borrowers up to 125% MSRP for new vehicles and 125% of the NADA value or Kelley Blue Book for used vehicles. Recreational vehicles & boats financing up to 100%. Maximum loan amount is $100,000 on vehicles, RVs and Boats. Members cannot exceed over 2.5 times gross monthly income or $20,000 whichever is less on combined unsecured & credit card loans with HBCECU.

Vehicle Loans

Rates effective as of May 28, 2020

New Vehicle Loan

Auto, truck, van, motorcycle
Prior year & current year models with less than 7,500 miles
1st Time Buyer add 3.00 to highest rate in range for term

Term Min. Loan APR*
1 - 36 Months Up to $10,000 As low as
2.49%
37 - 48 Months $10,001 - $15,000 As low as
2.74%
49 - 60 Months $15,001 - $20,000 As low as
2.99%
61 - 72 Months $20,001 - $30,000 As low as
3.24%
73 - 84 Months $30,001+ As low as
3.49%

Used Vehicle Loan

Auto, truck, van, motorcycle
2005 - 2020 model years with more than 7,500 miles
1st Time Buyer add 3.00 to highest rate in range for term

Term Min. Loan APR*
1 - 36 Months Up to $10,000 As low as
3.49%
37 - 48 Months $10,001 - $15,000 As low as
3.74%
49 - 60 Months $15,001 - $20,000 As low as
3.99%
61 - 72 Months $20,001+ As low as
4.24%

New Recreational Vehicle/Boat Loan

Current model year

Term Min. Loan APR*
1 - 36 Months Up to $5,000 As low as
4.59%
37 - 48 Months $5,001 - 10,000 As low as
4.59%
49 - 60 Months $10,0001 - $20,000 As low as
4.59%
61 - 72 Months $20,001 - $30,000 As low as
4.59%
73 - 84 Months $30,001 - $40,000 As low as
5.59%
85 - 96 Months $40,001 - 50,000 As low as
5.59%
97 - 108 Months $50,001 - $75,000 As low as
5.59%
109 - 120 Months $75,000+ As low as
5.59%

Used Recreational Vehicle/Boat Loans

Prior model years

Term Min. Loan APR*
1 - 36 Months Up to $5,000 As low as
5.09%
37 - 48 Months $5,001 - $10,000 As low as
5.09%
49 - 60 Months $10,001 - $20,000 As low as
5.09%
61 - 72 Months $20,001 - $30,000 As low as
5.09%
73 - 84 Months $30,001 - $40,000 As low as
6.09%
85 - 96 Months $40,001 - $50,000 As low as
6.09%
97 - 108 Months $50,001 - $75,000 As low as
6.09%
109 - 120 Months %75,001+ As low as
6.09%

Personal Loans

Rates effective as of May 28, 2020

Easy Access Line of Credit

Term Min. Amount APR* Daily Periodic Rate
Open End $1,000 As low as
9.00
As low as
0.02465%

Unsecured Signature Loan

Term Min. Amount APR*
1 - 60 Months $1,000 As low as
9.00%

Credit Cards

Credit Card Type APR
VISA Gold 11.9%
VISA Platinum 9%

APR = Annual Percentage Rate.
APY= Annual Percentage Yield.

HBCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. Rates are subject to change. Please call (714) 536-6517 to obtain current rate information. Certain conditions and restrictions may apply.