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Bring your loans to HACU and pay less. A lot less.
We get it. High-rate auto loans, personal loans, and credit card payments can take a hugechunk out of your budget. Why not find out what you could save by refinancing at a lower rate with HealthCare Associates Credit Union?
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Loan Rates
CREDIT CARDS
*% as low as
APR39.90%
PERSONAL LOANS
*% as low as
APR49.45%
How do your current payments compare?
If you’re paying more, then think about refinancing your loans from another financial institution to us. We’ll run the numbers to see if we can lower the interest rate, reduce the monthly payment, and/or change the term.
APPLY NOW
The following promotions include our 0.45% APR Anniversary discount:
1 Auto Loan: Example shown is for illustrative purposes only. APR = Annual Percentage Rate. Rate listed is effective 10/1/2024– 11/30/2024, and subject to change anytime thereafter. Payment example: Balance of $25,000 at 5.74% APR with 60-month term = $480.30 monthly payment on auto model years 2022 or newer. Rates vary based on credit score, term and year of auto; not all borrowers will qualify for the lowest rate. Vehicle loans are subject to credit qualifications. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted October 1, 2024, through November 30, 2024, and loan must be booked within 30 days of pre-approval to receive promotional discount offer. Your rate, term, payment, and loan amount may vary. Contact HACU for full details. Deferring payment is optional and subject to credit and collateral value. First payment may be deferred up to 90 days. Interest accrues daily from the date of funding and is repaid over the term of the loan. Offer may be withdrawn at any time.
2 Home Equity Loan: Example shown is for illustrative purposes only. APR = Annual Percentage Rate. Rate listed is effective 10/1/2024– 11/30/2024, and subject to change anytime thereafter. Payment example: Sample Balance of $40,000 at 7.14% APR with 120-month term = $467.36 monthly payment. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Property insurance is required. Home Equity Loans and Home Equity Lines of Credit must be secured by owner occupied real estate, in IL, IN, MO and WI. Minimum $5,000 to open a Home Equity Loan or Line of Credit. Minimum Loan/Line amount of $25,000 in new money to avoid closing costs. If you should close your Home Equity Line of credit within 24 months, you must reimburse HACU for bona-fide third-party fees up to $900. For loan/line amounts of less than $25,000 you will pay processing costs up $900. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted October 1, 2024, through November 30, 2024, and loan must be booked within 30 days of pre-approval to receive promotional discount offer. Refer to hacu.org or call our loan department for additional information. Additional disclosures will be sent after application is received, please retain a copy for your records.
3 Credit Card: Example shown is for illustrative purposes only. APR = Annual Percentage Rate. Example shown is for illustrative purposes only. Rate listed is subject to change. Rates from 9.90% APR to 15.60% APR. Rates vary based on credit score and not all borrowers will qualify for the lowest rate. Payment example: Sample Balance of $5,000 at 9.90% APR = $125.00 monthly payment.
4 Signature Loan: Example shown is for illustrative purposes only. APR = Annual Percentage Rate. 9.45% APR is only available for Signature Loans with terms from 12–24 months. Rate listed is effective 10/1/2024–11/30/2024, and subject to change anytime thereafter. Rates vary based on credit score and not all borrowers will qualify for the lowest rate. Lowest APR 9.45%. Maximum APR 24.00%. Minimum term 12 months. Maximum term 60 months. Payment example: Sample Balance of $5,000 at 9.45% APR with 24-month term = $229.44 monthly payment. Creditworthiness and terms determine your rate on a Signature Loan. Rates and offers are subject to change and cannot be combined with any other offers. Flexible payment options are available for qualifying members. Usual credit criteria apply. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted October 1, 2024, through November 30, 2024, and loan must be booked within 30 days of pre-approval to receive promotional discount offer. Contact HACU for complete details.
