HACU is celebrating 40 years of banking healthy and member service. We will be celebrating our birthday throughout the year with specials!
12 month term
Getting you to where you want to be
You may be looking to consolidate some debt, build or fix your credit. Our personal loans can help make your dreams come true or fulfill your practical priorities.
Our Signature Loans are available to help you meet your lifestyle goals. We offer competitive rates, typically one of the lowest rates in the area and no pre-payment penalties.
Share or CD Secured Loans
This is a good option if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Share Secured Loan you borrow against your savings at HealthCare Associates and receive a low-rate loan, while still earning interest on your financial resources on deposit. It’s a win-win!
Credit Builder Loans
When it comes to building or fixing credit, there are no easy answers or quick fixes. We do have a loan that can assist members trying to build their credit while at the same time helping build savings.
With the Credit Builder Loan a 12 or 24 month certificate is opened and used to secure the loan. By making timely monthly payments, positive repayment information is reported to the credit bureaus which may help boost credit scores. Once the loan is paid off, the funds in the Certificate Account will be deposited to your primary Savings Account.
Successful repayment of a Credit Builder Loan won’t instantly fix your credit, but it is a starting point in building or rebuilding process.
Signature Loan: *APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Excludes current signature loans financed through HACU. Flexible payment options available for qualifying members. Payment example: 12 month term, rate of 4.00% APR, $85.15 per $1,000 borrowed. The 4.00 % APR only available for 12 months. Creditworthiness and terms determine your rate and then the rate will be reduced by 2%, (the 12 month rate is excluded from rate reduction) on every Signature Loan application received between January 1 - February 28, 2019.