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.

Savings Accounts

Rates effective as of March 18, 2020

Regular Share & Subsidiary Share Accounts

Account Balance APR APY
$100 to $25,000 0.05% 0.05%
$25,001 & above 0.10% 0.10%

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)

3 Months

Rates effective as of March 18, 2020

Required Balance APR APY
$2,500.00 - $49,999.99 0.150% 0.150%
$50,000.00 - $99,999.99 0.250% 0.250%
$100,000.00 & above 0.300% 0.300%

6 Months

Rates effective as of March 18, 2020

Required Balance APR APY
$2,500.00 - $49,999.99 0.350% 0.350%
$50,000.00 - $99,999.99 0.400% 0.400%
$100,000.00 & above 0.450% 0.451%

12 Months

Rates effective as of March 18, 2020

Required Balance APR APY
$2,500.00 - $ 49,999.99 0.500% 0.501%
$50,00.00 - $ 99,999.99 0.550% 0.551%
$100,00.00 & above 0.600% 0.602%

24 Months

Rates effective as of March 18, 2020

Required Balance APR APY
$2,500.00 - $49,999.99 0.650% 0.651%
$50,000.00 - $99,999.99 0.700% 0.702%
$100,000.00 & above 0.750% 0.752%

36 Months

Rates effective as of March 18, 2020

Required Balance APR APY
$25,000.00 - $49,999.99 0.800% 0.803%
$50,000.00 - $99,999.99 0.850% 0.853%
$100,000.00 & above 0.900% 0.904%

Loans

Rates effective as of April 12, 2019

Vehicle Loans

Loan Type APR
New Auto

Call for details.

As low as
2.49%
Used Auto

Call for details.

As low as
2.49%
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 Loans

Loan Type APR
Unsecured Loan 12%
Line of Credit 13.5%
Home Equity Loan Call for Rates
Pledge of Shares Call for Rates
Co-Maker 15%

Credit Cards

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

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

HBCECU 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.