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Loan Rates

 

Loan rates effective as of

New Auto & Motorcycle Loans

     
Type Rates APR* Term (months)
New Auto or Motorcycle As Low As 2.74% Up to 60 Months
New Auto or Motorcycle As Low As 3.00% Up to 72 Months (> $20,000)
New Auto or Motorcycle As Low As 3.00% Up to 84 Months (> $40,000)

Apply Today! We've Got Your Back Loan Special Ends May 31, 2017.

*APR=Annual Percentage Rate. Ex: New Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=2.74%, Payment=$267.84. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

 

Used Vehicles & Motorcycles

Type Rates APR* Term (months)
Used Vehicle or Motorcycle As Low As 3.25% Up to 36 Months (> $3,000)
Used Vehicle or Motorcycle As Low As 3.25% Up to 48 Months (> $6,000)
Used Vehicle or Motorcycle As Low As 3.25% Up to 60 Months (> $10,000)
Used Vehicle or Motorcycle As Low As 3.74% Up to 72 Months (> $20,000)
Used Vehicle or Motorcycle As Low As 3.74% Up to 84 Months (> $40,000)

Apply Today! We've Got Your Back Loan Special Ends May 31, 2017.

*APR=Annual Percentage Rate. Ex. Used Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=3.25%, Payment=$271.25. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Recreational Vehicle Loans

Type Rates APR* Term (months)
New RV, Boat or ATV As Low As 3.74% Up to 24 Months
New RV, Boat or ATV As Low As 3.74% Up to 36 Months (> $3,000)
New RV, Boat or ATV As Low As 3.74% Up to 48 Months (> $6,000)
New RV, Boat or ATV As Low As 3.74% Up to 60 Months (> $10,000)
New RV, Boat or ATV As Low As 3.74% Up to 72 Months (> $20,000)
New RV, Boat or ATV As Low As 3.74% Up to 84 Months (> $ $40,000)
New RV, Boat or ATV As Low As 4.74% Up to 120 Months (> $40,000)
Used RV, Boat or ATV As Low As 4.74% Up to 24 Months
Used RV, Boat, or ATV As Low As 4.74% Up to 36 Months (> $3,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 48 Months (> $6,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 72 Months (> $20,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 84 Months (> $40,000)
Used RV, Boat, or ATV As Low As 5.74% Up to 120 Months (> $40,000)

Apply Today! We've Got Your Back Loan Special Ends May 31, 2017.

*APR=Annual Percentage Rate. Ex: New RV, Boat, ATV Loan Amount+$15,000, Term Amount=60 Months, APR=3.74%, Payment=$274.55. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
*APR=Annual Percentage Rate. Ex: Used RV, Boat, ATV Loan Amount+$15,000, Term Amount=60 Months, APR=4.74%, Payment=$281.35. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Credit Cards  

Type   Rates  
Visa Classic (Up to $10,000) As Low As 8.99% Fixed Rate
Visa Platinum (Up to $15,000) As Low As 11.99% Variable Rate

*APR=Annual Percentage Rate. As low as rates are based on credit history, credit qualifications and approval. Actual rate will be determined by actual credit score. Classic Credit Card Plan rates are fixed and will not increase while the plan is open. Platinum Credit Card Plan rates are variable based on the prime rate. Plans are not subject to a yearly fee for the ability to use the card. Plans are not subject to a fee if balance from another credit card plan is transferred to the SHPFCU plan. Grace period is at least 25 days after the close of each billing cycle. No interest will be charged on purchases if the entire balance is paid by the due date each month. Finance Charges accrue immediately on cash advances to the plan. Plan limits for the Classic card range from $750 to $10,000 and the Platinum card from $750 to $15,000. Rates, terms, and conditions apply and are subject to change without notice. Membership is required. Click here for the full credit card disclosure.

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Secured Loans  

     
Type Rates APR* Additional Info
Share Certificate Secured Current Share Certificate Rate Plus 1.00% (Fixed)
Share Secured (2.5% floor) Current Share Savings Rate Plus 1.00% Or 2.50% APR floor rate

*APR=Annual Percentage Rate. Share Savings Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Savings rate or a minimum of 2.50%. APR fixed, which is the lowest (Floor) rate available for this loan type. Term of loan will be determined by amount borrowed. Ex: Share Saving Secured Loan at (^^Floor Rate) Loan Amount=$10,000, Term=60 Months, APR=2.50%, Payment=$177.50. Share Certificate Secured Loans are not credit score based. Actual rate will be 1.00% over the current Share Certificate rate. Loan maturity date will not extend past Share Certificate maturity date. Ex: Share Certificate Loan Amount=$10,000, Term=60 Months, APR=3.10%, Payment=$180.14. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Home Equity Line of Credit  

     
Type Rates APR* Additional Info
Home Equity Line of Credit - HELOC Please call (800) 282-3006 (614) 431-0784

Call our office or click for HELOC Application and Disclosures.

*APR=Annual Percentage Rate. Contact credit union for complete details and disclosures or view application and disclosures.

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Personal Line of Credit  

     
Type Rates APR* Additional Info
Education Line of Credit As Low As 8.50% -
Overdraft Line of Credit - 15.00% (Rate not credit score based)
Signature Line of Credits As Low As 9.99% -

*APR=Annual Percentage Rate. Signature Line of Credit, +Education Line of Credit - As low as rates are based on credit history, credit qualifications and approval. Actual rate will be determined by actual credit score. Rates are fixed for the life of the open plan and will not increase while plan is open. Overdraft Line of Credit Plans are not credit score based. Actual rate will be 15.00% APR for the life of the open plan. All borrowers subject to credit qualifications, approval and must have a checking account in good standing with SHPFCU. Overdraft Line of Credit limit is $500. Minimum Payment Calculation for Overdraft/LOC: The minimum payment will be $10.00 per month. Rates, terms, and conditions may apply and are subject to change without notice. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Mortgages   

Type Rates APR* Term (months)
Mortgage Loans Please Call (614) 431-0784 (800) 282-3006

Use our Mortgage Calculators

Call us for more information at (614) 431-0784 or (800) 282-3006.

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Debt Restructure Loans

Type Rates APR* Term (months)
Debt Restructure Loan As Low As 10.99% Up to 60 Months

*APR=Annual Percentage Rate. Debt Restructure Loans-As low as rate is based on credit history, credit qualifications, and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. Maximum limit is $20,000. All consolidated debt must be paid off and closed with this loan program. Rates, terms, and conditions may apply and are subject to change without notice. Ex:Debt Restructure Loan Amount=$20,000, Term=60 Months, APR=10.99%, Payment=$434.98. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Untitled Collateral

Type Rates APR* Term (months)
Untitled Collateral Loan As Low As 10.99% Up to 48 Months

*APR=Annual Percentage Rate. +++Untitled Collateral Loan-As low as rate is based on credit history, credit qualifications, term of loan and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. New collateral only. Maximum credit limit is $15,000. Rates, terms, and conditions may apply and are subject to change without notice. Ex: Untitled Collateral Loan Amount=$15,000, Term=48 Months, APR=10.99, Payment=$387.81. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

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Deposit Rates

Deposit rates effective as of

Savings Rates

Type Dividend Rate APY* Term (months)
Christmas Club Savings 0.10% 0.10% --
Regular Share Savings 0.10% 0.10% --

*APY=Annual Percentage Yield. Minimum deposit of $5.00 to open a Share Savings/Christmas Club Savings. Minimum balance to earn APY is $5.00. The rate may change after account is open. Christmas Club Savings – If you withdraw from the Christmas Club Savings, you may be charged a fee. Fees may reduce your earnings. Please see Fee Schedule. Call SHPFCU at (800) 282-3006 for complete information.

 

Blue Max Savings

Type Dividend Rate APY* Minimum Balance
Blue Max $2,500 to $9,999 0.10% 0.10% Minimum balance to earn APY is $2,500.
Blue Max $10,000 to $24,999 0.15% 0.15% Minimum balance to earn APY is $10,000
Blue Max $25,000 to $49,000 0.20% 0.20% Minimum balance to earn APY is $25,000
Blue Max $50,000 to $99,999 0.25% 0.25% Minimum balance to earn APY is $50,000
Blue Max $100,000+ 0.35% 0.35% Minimum balance to earn APY is $100,000
*APY=Annual Percentage Yield. APR=Annual Percentage Rate. Minimum Deposit of $2,500 to open a Blue Max account. The rate may change after account is open. Membership required to to open a Blue Max Savings account with SHPFCU. Call SHPFCU at (800) 282-3006 for complete information.

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Share Draft Checking

Type Dividend Rate APY*  
Share Draft Checking Account 0.05% 0.05% -
*APY=Annual Percentage Yield. Minimum deposit of $25.00 to open a Share Draft account. No minimum balance to earn APY. The rate may change after account is open. Membership required to to open a Share Draft Checking account with SHPFCU.Call SHPFCU at (800) 282-3006 for complete information.

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Share Certificates

Type Dividend Rate APY* Term (months)
6 Month Share Certificate 0.75% 0.75% 6 Months
12 Month Share Certificate 0.95% 0.95% 12 Months
18 Month Share Certificate 1.10% 1.11% 18 Months
24 Month Share Certificate 1.30% 1.31% 24 Months
36 Month Share Certificate 1.50% 1.51% 36 Months
48 Month Share Certificate 1.95% 1.97% 48 Months
60 Month Share Certificate 2.15% 2.17% 60 Months
*APY=Annual Percentage Yield. You may elect to receive dividends paid monthly, quarterly, or annually. The APY listed above assumes monthly dividends. The minimum balance to open a share certificate is $500.00. A penalty may be imposed for early withdrawal. Membership required to to open Share Certificates with SHPFCU. Call SHPFCU at (800) 282-3006 for complete information. Share and Certificate rates are subject to change at any time.

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Your deposits are insured by the NCUA

Your deposits are insured up to $250,000 per account by the National Credit Union Administration (NCUA), an agency of the federal government. Calculate your total deposit insurance with NCUA's Online Share Insurance Calculator.

NCUA

 

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