HCTA Federal Credit Union  

3454 Ellicott Center Drive

Ellicott City, MD  21043

410 461-2257     FAX  410 461-4691

info@hctafcu.org

www.hctafcu.org

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

 $1,001 to $10,000

 monthly payment

per $1000

 11.99% APR up to 36 months
  $33.23
 13.99% APR up to 36 months
  $34.20
 14.99% APR up to 26 months
  $34.69
 Platinum Loans up to $20,000
  
 10.99% APR up to 60 months
  $21.75
 requires credit score of 680+
  
 APR - Annual Percentage Rate
  
Other Personal Loans

   New Beginnings Loan
 monthly pymt per $1000
 $1200  17.99% APR
for 12 months
  $91.73
     
   Shares Loan
  
determined by
share bal.
3.0 % above share rate
call for current
APR
     
  Co-Maker/Collateral

monthly pymnt

per $1000

$35,000
14.99% APR
up to 36 months
$34.69
 $35,000 15.99% APR
up to 36 months
$24.34
$35,000
16.99% APR
up to 36 months
$22.26
     
  Computer Loan

monthly pymnt

per $1000

 $1001+ 10.00% APR
up to 24 months
$46.17
     
  Tuition Loan

monthly pymnt

per $1000

 $10,000 8.5% APR
up to 48 months
$24.66

Existing loans with HCTA FCU are not eligible to be refinanced through HCTA FCU.

Rates Effective 6/1/2011 and are subject to change without notice.
Share Account Rates:
Quarter ending 6/30/2011

  Div. Rate  APY
Term Share
Account
 0.25%
 0.250%
IRA Share
Account
  0.55%  0.551%
Term Share
Certificate
 call for
current rate
**

** Term Share Certificate Rates change monthly
APY - Annual Percentage Yield

Service Fees:

Check Return/Redeposit          $25.00
Dormant Account:
 after return of 3 statements   $5/qtr
Stop Payment                          $12.50
2nd or 3rd party check (3+)     $ 5.00
Statement  Copy Request        $ 5.00
Credit Report Fee                    $10.00

Used Auto purchases from Enterprise Used Car Sales and financed through HCTA FCU are eligible for 3.99% APR financing.

 

HOME MORTGAGES AT HCTA

Begining January 3, 2012

 

GREAT RATES

PROFESSIONAL LOCAL SERVICE

A VARIETY OF LOANS TO SUIT YOUR NEEDS


Call Financial Security Consultants

our mortgage partner,

at 410-823-3300 today!

Vehicle Loans




 New Vehicles        Used Vehicles
  

 Rate

APR

 Term

monthly pymnt

per $1000

    

Rate

3.99%

APR
 
 2.99%

 up to 36 months

 $29.08

  

Vehicle

Year  

 Term

 monthly

pymnt

per $1000

 3.49%  up to 48 months
  $22.36   2007-08 up to 48 months

$21.63

 3.99%  up to 60 months
  $18.42   2009-10
 up to 48 months
  $21.63
   
     2011-12

up to 60 months

 $17.46

 

 $25,000 and over


 

 

Rate

3.49%

APR

Enterprise

Auto Sales

 

 

 

 

3.99%

 up to 72 months

   $15.65  
   up to 60 months  $17.36

 

APR - Annual Percentage Rate