Loan Rates

Important Information

*Annual Percentage Rate. Actual maximum term will be based on age of collateral, amount of loan requested, and loan type.

**Special Loan: This loan type requires direct deposit into your Hello CU account for at least 90 days.  If qualified, available loan amounts are $500 in year one, $750 in year two, and $1,000 in year three. Members must maintain good standing with Hello CU in order to qualify for subsequent loan requests and the loan must be paid in full before subsequent requests can be processed.  A processing fee of $30 applies to loans for $500, $40 for loans of $750, and $50 for loans of $1,000.  The processing fee must be paid by the member and cannot come from loan proceeds.

Note 1:  Maximum loan term depends on the financed amount, age of collateral, and credit experience of the borrower.  In order to qualify for longer loan terms, members must finance at least $15,000 to request 61 to 72 months, and at least $30,000 to request 84 months.

‍Note 2: Maximum loan term depends on the financed amount, age of collateral, and credit experience of the borrower.  In order to qualify for longer loan terms, members must finance at least $25,000 to request 15 years for new recreational vehicles or 10 years for pre-owned recreational vehicles.  A 5% down payment is required for all borrowers.  This requirement can be satisfied with a cash down payment or positive equity on their trade-in. Only new eligible for 121-180 months with CEO approval.

Note 3: Rates for Home Equity Lines of Credit are based on the Wall Street Journal Prime Rate (WSJPR) with an added margin.  Please contact a Hello Credit Union Mortgage Loan Originator for current pricing, closings costs, and program details by calling 850-488-6781, option 3.

‍Note 4: Maximum loan term depends on the financed amount, age of collateral, and credit experience of the borrower.  In order to qualify for longer loan terms, members must finance at least $15,000 to request 61 to 72 months, at least $25,000 to request 71 to 84 months, or at least $40,000 to request 85 to 120 months.