Products & Services

Loans

Loan Application / Plan Signature

Type

New & Used Vehicles (1 - 5 Yrs) Autos, Boats, Campers, RVs, Tractors, Airplanes, ATVs Motorcycles, & PWC APR

Low interest rates are available at your credit union. Call the credit union if you're thinking about buying a new or used car, truck, van or boat. We also have refinancing available for qualified applicants.
Term:  60 months; APR 7.250% - 18.000%**


Used Autos, Boats Campers, RVs, Tractors, Airplanes, ATVs Motorcycles, & PWC (older than 5 years)
Term:  48 months;  APR 9.000% - 18.000%**


Other Collateral (i.e. Trailers, Lawn and Garden Equipment, etc)
Term:  48 months;  APR 9.000% - 18.000%**


Signature Loans
Unsecured loans that you can use to payoff another creditor, school expenses, home repairs or just take a vacation.
Term:  36 months;  APR 10.500% - 18.000%**


Combination Loans (Signature + Collateral)
Partially secured loans.
Term:  42 months;  APR 13.500%


Share Secured
Term:  42 months;  APR 4.50%


Share Certificate Secured
Term:  Match Certificate;  APR Certificate Rate + 3% margin


Visa
Low interest rate credit card with no annual fee.
Term:  Revolving;  APR 11.90% Min; 14.95% Max


Home Equity Line-Of-Credit - A New Loan Option for Homeowners
You don’t have to wait until you sell your home to take advantage of your home equity. Hurricane Creek FCU now offers a Home Equity Line-of-Credit, which allows you to borrow against the equity in your home right now!

Our new Home Equity Line-of-Credit offers lots of money-saving benefits, beginning with low rates and flexible repayment terms up to 144 months. Also, the interest you pay may be tax-deductible, which could mean even more savings.* Because the Hurricane Creek FCU Line-of-Credit is a revolving credit line, you can borrow the money you need as you need it without applying for a new loan each time. And perhaps best of all, you can use the money you borrow for any worthwhile purpose – a family vacation, home repairs or renovation, debt consolidation…you name it!

To learn more about this exciting new loan product or to apply for a Hurricane Creek Home Equity Line-of-Credit, call or stop by the credit union today!

Term:  Max. 144 months;  APR (Variable) Prime + 1%
(maximum term based on outstanding balance)


** APR as low as rate shown based on approved credit, lower interest rate available with approved eligible disounts
All rates are subject to change without notice. All Savings percentages are quoted APY.
All Loan percentages are quoted APR. For complete terms and conditions, please contact the
Credit Union by e-mail or telephone 501-315-3162.


LOAN PRODUCTS

Loan Insurance
Credit Life and Credit Disability insurance are available on loans for a low monthly premium that can be made as part of the loan payment. These insurances can help protect you and your family in the event of a death or major illness.

GAP Protection
Auto insurance might not be enough......

If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, your auto insurance will only cover the replacement value. Nevertheless, you remain liable for the payment of the difference between the insurance settlement and your loan balance. This deficiency can easily amount to thousands of dollars that comes out of your pocket for a vehicle that no longer exists.

MEMBER'S CHOICE GAP Protection benefits:
  • Protection for the term of your loan up to 84 months.
  • Coverage for vehicles valued up to $100,000 at time of purchase.
  • Payment of benefits up to $50,000.
  • Includes coverage for auto insurance deductibles up to $1,000 if a gap exists.
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.
  • GAP Plus protection includes $1,000 down payment credit toward a replacement vehicle.
  • Gap protection is fully refundable if you cancel the coverage within the first 60 days and partially refundable anytime thereafter.
It's easy to get.

You can elect MEMBER'S CHOICE GAP Protection at the same time you apply for your vehicle loan. There's no underwriting - no hassles. It's that easy. And your MEMBER'S CHOICE GAP premium can be rolled into your monthly loan payment.





*Consult with your tax advisor for details.