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HCTA Federal Credit Union
3454 Ellicott Center Drive
Ellicott City, MD 21043
410 461-2257 FAX 410 461-4691
www.hctafcu.org
info@hctafcu.org

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Loans & Rates

Loan Application Form

To Celebrate our New Teachers
we are offering a Special Rate Sale on
New Automobiles

August 18 through September 18

3.99% APR* for a 3 year loan

4.19% APR* for a 4 year loan

4.39% APR* for a 5 year loan

for auto loans $25,000 or more
4.39% APR* for a 6 year loan

* APR - Annual Percentage Rate

	DIV. Rate	APY **
Term Share Account	0.60%	0.601%
IRA Share Account	1.00%	1.004%
CD Rates	call for current rate	*

* CD Rates change monthly.
** Annual Percentage Yield

VEHICLE RATES

Until further notice the following rates will be in effect for USED VEHICLES

Term	APR*
Up to 3 years	4.75%
Up to 4 years	4.75%
Up to 5 years	4.75%

*Annual Percentage Rate

Starting April 28. . .
Used Autos purchased from Enterprise Used Car Sales and financed through HCTA FCU are eligible for the 4.33% financing

NEW VEHICLE ONLY 72 Months 4.75% * Financing $25,000 and over.

Note: Existing Auto Loans with the credit union cannot be refinanced

2005-2006 used vehicles financed for no longer than 36 months;
2007-2008 used vehicles financed for no longer than 48 months;
2009-2010 used vehicles financed for no longer than 60 months.

Until further notice, the following Personal loan rates will be in effect according to the following terms:

Amount	$1,000 to $10,000
Rate	10.99% to 13.99 % (depending on credit history)
Term	Three (3) year maximum

Shares Loan	Loan amount determined by share balance	3.0% above share rate
Computer Loan	Up to two (2) years maximum	10% APR
Tuition Loan	Up to $10,000 repay in four (4) years	8.5% APR

Service Fees:

Check Return / Redeposit	$25
Dormant Account: after return of 3 statements	$5 / quarter
Stop Payment	$12.50
Second or third party check (3 or more at any one time)	$5
Statement Copy Request	$5
Credit Report Fee	$10