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 05/08/2018.

Savings Account Rates

Rates effective as of April 25, 2018

Share Savings Accounts

Account Balance APR APY
$100 to $25,000 0.10% 0.10%
Over $25,000 0.25% 0.25%


Balance Amount APR APY
Up To $20,000 0.20% 0.20%
$20,001 To $50,000 0.30% 0.30%
$50,000 To $100,000 0.35% 0.35%
Over $100,000 0.40% 0.40%

Share Certificates

Call for current rates.


Rates effective as of April 12, 2019

Vehicle Loans

Loan Type APR
New Auto

Call for details.

As low as
Used Auto

Call for details.

As low as
New Motorcycles

(60% financing with 60 month re-payment)

Used Motorcycles

(60% financing low Blue Book 60 month re-payment)


Personal Loans

Loan Type APR
Computer Loan 10%
Christmas Loan 8%
Vacation Loan 12%
Tax Loan 12%
Unsecured Loan 12%
Line of Credit 13.5%
Home Equity Loan Call for Rates
Pledge of Shares Call for Rates
Co-Maker 15%
Overdraft 15%

Credit Cards

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

Rates are subject to change.
Please call (714) 536-6517 to obtain current rate information.
APR = Annual Percentage Rate
APY = Annual Percentage Yield