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AccountsHCFCU offers many types of accounts for your needs. Sign up for one today!

Loans & CreditFind answers to all your questions about loans and credit programs here.

Mortgage

Fixed Rate

Get peace of mind and satisfaction with a fixed-rate first mortgage from the credit union. We offer competitive rates, good incentives and lots of flexibility, including programs with low downs.


Adjustable-Rate

We offer a number of long-term ARM programs with excellent rates and terms for both fee simple and leasehold properties. These convenient loans come with initial fixed interest rates for specified time periods, making your loan payments more affordable and easier to qualify for.

Home Equity Line-of-Credit

Our home equity loans offer an ample draw period and repayment term as well as lower interest rates than most competing home equity programs. (Interest may be tax-deductible, consult your tax advisor.) Extended loan terms make our payments extremely affordable, while our no-prepayment penalty feature allows you to pay down the debt at no additional cost to you.

Balloon Loans

Our balloon loan financing for first mortgage loans offer you low interest rates with a very long amortization period, giving you extremely affordable financing options.


Vacant Land

Competitive rates are available for improved and unimproved property. Also, you can prequalify for a construction loan with the vacant land loan.

Construction

We can help you build your dream home with our construction financing. Our construction loans are interest-only, short-term (one-year) balloon payment loans that finance the construction phase of your primary residence.

Condominium & Multi-Dwelling

Current Rates or Apply online