Hawthorne Credit Union
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Check Our Rates

Auto | Recreational Vehicles | Home Equity | Lines of Credit | Credit Card | Personal/Computer | Stock Secured | Share Certificate /Share Secured

All Rates Are Subject To Change Without Notice. All Rates Effective March 16, 2012.

AUTO
Year
Annual PercentageRate(APR)
Term (months)
New Vehicle
as low as 1.99%
48
New Vehicle
as low as 1.99%
60
New Vehicle
as low as 3.99%
72
New Vehicle
as low as 4.74%
84
Used (2012 - 2009)
as low as 1.99%
48
 
as low as 1.99%
60
Used (2008-2007)
as low as 3.49%
48
 
as low as 3.74%
60
*APR is the Annual Percentage Rate.
  • Sample payment: For every $1,000 borrowed at 4.74% APR for 60 months, your payment would be $18.68.
RECREATIONAL VEHICLES
Loan Amount
APR*
Term (months)
$15,000 or less
as low as 6.75%
60
$15,001 - 30,000
as low as 8.54%
84
$30,001 - 50,000
as low as 8.39%
120
$50,001 - 75,000
as low as 8.14%
120
$75,000 or greater
as low as 8.04%
180
*APR is the Annual Percentage Rate.
  • Sample payment is $19 monthly for every $1,000 borrowed at 5% APR for 60 months.
HOME EQUITY
Account Description
APR
Term (months)
Home Equity
4.99%
12-60
(80% of home value less 1st mortgage balance)
5.99%
61-120
 
6.49%
121-180
Equity Plus
7.20%
12-60
(81-95% of home value less 1st mortgage balance)
8.00%
61-120
 
8.50%
121-180
 
  • Fixed Loans -  Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan.  Your rate may be different based on this criteria and your application information.  Rates are subject to change.
LINE OF CREDIT
Specials
 
Less than 24,999
$25,000 - 49,999
$50,000 - $99,999
$100,000 - $149,999
$150,000 or more
Term (years)
Home Line up to $500,000
Prime* + 1.75%
Prime* + 1.50% 
Prime* +
1.25%
Prime + 1.00%
Prime* + .50%
7
(80% of home value less 1st mortgage balance)            
 
  • *The 7-year Home Equity Line rate may vary. For credit lines of $150,000 and greater, the rate is Prime + .50%. For credit lines of $100,000-149,999 the rate is the Prime Plus 1.00%. For credit lines $50,000-99,999 the rate is the Prime Rate + 1.25%. For credit lines $25,000-49,999 the rate is the Prime Rate + 1.50%. For credit lines below 24,999 the rate is the Prime plus 1.75%. As of 12/31/10, the Prime Rate as published in The Wall Street Journal was 3.25%. The maximum rate is 18%. The $50 annual fee is waived for the first year. Property insurance is required. Cancellation fee of $399 applies if the line is closed within the first 36 months. Offer may be withdrawn or changed at any time.
LINE OF CREDIT
Specials
 
Less than 24,999
$25,000 - 49,999
$50,000 - $99,999
Term (years)
Equity Plus
 
 
 
(81-95% of home value less 1st mortgage balance)
Prime* + 4.50%
Prime* + 4.25% 

Prime* + 4.00% 
7
 


PERSONAL LOANS
Annual Percentage Rate ( APR)
Term (Months)
as low as 7.99%
12-48
*APR is the Annual Percentage Rate.
  • Sample payment is $21 monthly for every $1,000 borrowed at 8% APR for 60 months.
  • Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan.  Your rate may be different based on this criteria and your application information. Rates are subject to change.
CERTIFICATE SECURED
Up to a maximum of:
Loan Type
APR
Term
Exclusions
100% Value
Installment
Rate on certificate + 2.0%, 5% Min Floor
Maximum term will be maturity date of certificate.
Not available on "Bump" Certificates.
95% Value
Single Payment
Rate on certificate + 2.0%, 5% Min Floor
Maximum term will be maturity date of certificate.
Not available on "Bump" Certificates.
 
 
7.49%
60
  
 
  • + If loan not paid through payroll deduction or auto payment plan, add .25% to APR.
  • Sample payment is $19 monthly per $1,000 borrowed for 60 months at 5% APR.s
  • Sample payment is $21 monthly for every $1,000 borrowed at 8% APR for 60 months.
  • Rates shown are for members with excellent credit who choose to make automatic payments and qualify for Step 4 of our Family Rewards plan. Your rate may be different based on this criteria and your application information. Rates are subject to change.
CREDIT CARD
Account Description
Term
APR*
Fee
Visa Platinum Rewards Card  (Variable+)
APR
8.99% - 16.99% APR* based
on creditworthiness
No Annual Fee
Visa Savers Card
APR
10.99% - 17.99% APR* based on creditworthiness
No Annual Fee
 *Variable APR:
Prime** + 5.74% APR (Purchases)
 
Prime** + 5.74% APR (Cash Advances)
 

  • + Variable: *Prime + 5.74% APR(Purchases & Cash Advances)
    *Minimum Rate is 8.99% - Maximum is 18%

  • **Prime as of December 16, 2008 was 3.25% as published in The Wall Street Journal.

  • Click here for required disclosures.

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