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Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 08-29-2026
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
2024-2026 Vehicles
Up to 66 Months		 3.99% $16.96 Receive a notification when this rate changes
2024-2026 Vehicles
Up to 78 Months		 4.49% $14.87 Receive a notification when this rate changes
2024-2026 Vehicles
Up To 84 Months		 5.19% $14.29 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 66 Months		 4.39% $17.15 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 78 Months		 4.89% $15.06 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 84 Months		 5.59% $14.49 Receive a notification when this rate changes
2019 and Older
Up To 66 Months		 5.09% $17.48 Receive a notification when this rate changes
2019 and Older
Up To 78 Months		 5.59% $15.40 Receive a notification when this rate changes
2019 and Older
Up To 84 Months		 6.59% $14.98 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payment options are available. Maximum loan-to-value (LTV) for vehicle loans is up to 120% for qualified borrowers. To qualify for the lowest advertised APR, borrowers must have a credit score of 700 or greater and meet all applicable discount and underwriting requirements. Loans are subject to credit approval.

Rates shown represent the lowest available APRs for each vehicle model year and term and assume qualification for all available rate discounts. Available discounts include: • 0.25% APR discount for qualifying Hybrid or Electric Vehicles • 0.25% APR discount for eligible Active Military members or First Responders • Up to 1.00% APR discount based on loan-to-value (LTV) For example, the advertised 3.99% APR for a 2024-2026 vehicle financed for up to 66 months assumes a base APR of 5.49% and qualification for all available discounts.

Active Military discount is available to current active-duty members of the United States Armed Forces, including the Army, Navy, Air Force, Marine Corps, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps, and U.S. Public Health Service Commissioned Corps. First Responders include paid or volunteer firefighters, law enforcement officers (including sheriffs and deputies), correctional officers, state troopers, federal law enforcement officers, campus police officers, emergency medical technicians (EMTs), paramedics, and 911 dispatchers.

Rates shown are the lowest available rates currently offered. Not all applicants will qualify for the lowest advertised rates, terms, or discounts. Discount eligibility is subject to verification and underwriting requirements. Rates, terms, discounts, and programs are subject to change or discontinuation at any time without notice.
  • 1APR = Annual Percentage Rate. Rates available to individual borrowers may vary based on creditworthiness, vehicle model year, term, loan amount, collateral value, loan-to-value ratio, and other underwriting criteria. ↵
  • 2Payment examples shown are estimated monthly payments per $1,000 borrowed and are based on the maximum available term for the applicable vehicle category. Actual payment amounts will vary based on APR, loan amount, repayment term, and individual loan qualifications. ↵

Table data for New and Used Boats, Motorcycles and RVs
 Rates effective 08-29-2026
APR1 Payment per $1,0002 Alert Me
Up to 66 Months 6.99% $18.41 Receive a notification when this rate changes
Up to 78 Months 7.49% $16.34 Receive a notification when this rate changes
Up to 84 Months 8.19% $15.80 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵
Table data for Home Equity 3 in 1 Advantage Plan*
 Rates effective 08-29-2026
Line of Credit and MasterCard Platinum Credit Card1 APR2 Payment per $1,0003 Alert Me
To 75% CLTV (Prime - 1/2%) 6.25% Varies Receive a notification when this rate changes
76% to 85% CLTV (Prime + 1/2%) 7.25% Varies Receive a notification when this rate changes
86% to 100% CLTV 8.25% Varies Receive a notification when this rate changes
Fixed Rate Advance - To 75% CLTV4 Alert Me
Up to 5 years 6.865% - 9.365% $19.74 Receive a notification when this rate changes
5 to 10 years 7.115% - 9.615% $11.67 Receive a notification when this rate changes
10 to 15 years 7.365% - 9.865% $9.19 Receive a notification when this rate changes
15 to 20 years 8.115% - 10.615% $8.44 Receive a notification when this rate changes
Fixed Rate Advance - 76% to 85% CLTV4 Alert Me
Up to 5 years 7.115% - 8.615% $19.86 Receive a notification when this rate changes
5 to 10 years 7.365% - 8.865% $11.80 Receive a notification when this rate changes
10 to 15 years 7.615% - 9.115% $9.34 Receive a notification when this rate changes
15 to 20 years 8.365% - 9.865% $8.59 Receive a notification when this rate changes
Fixed Rate Advance - Over 85% CLTV Alert Me
Up to 5 years 7.365% - 8.365% $19.97 Receive a notification when this rate changes
5 to 10 years 7.615% - 8.615% $11.93 Receive a notification when this rate changes
10 to 15 years 7.865% - 8.865% $9.48 Receive a notification when this rate changes
15 to 20 years 8.615% - 9.615% $8.75 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
*For new loan applications as of April 1st, 2020, the HELOC rates are subject to HFCU’s Floor Rate of 3.49% APR and maximum rate of 18.00% APR. Contact Member Services at 800-656-4328 for rate details. Hanscom FCU offers Home Equity Plans on primary residences to our members nationwide, with the exception of Texas and New York.

The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV. Maximum allowed CLTV may vary by state.
  • 1Rate is variable and based on the Prime Rate as published in the Wall Street Journal. The rate may change after the account is opened. ↵
  • 2APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 3Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵
  • 4Rates for a Fixed Rate Advance are not variable and are set at the time of and for the duration of the advance. ↵
Table data for Hanscom FCU Credit Cards
 Rates effective 08-29-2026
APR1 Alert Me
Platinum Mastercard ® 11.99% Receive a notification when this rate changes
Platinum Secured Mastercard ® 11.99% Receive a notification when this rate changes
CASH + REWARDS World Mastercard ® 13.49%2 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. The minimum payment is 2.5% of the outstanding balance or $15.00, whichever is greater 2Rates are variable and based on an evaluation of credit history, so your rate may differ.
This APR will vary with the market based on the Prime Rate. Cash + Rewards World Mastercard, when you open your account, based on your creditworthiness. Rate Information. Contact Member Services at 800-656-4328 for rate details.
You can also view the Consumer Credit Card Agreement and Disclosure for additional details.
Table data for Personal/Signature Loan
 Rates effective 08-29-2026
APR1 Payment per $1,0002 Alert Me
Up To 60 months 9.49% $21.00 Receive a notification when this rate changes
Apply for a Loan Online Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵
Table data for Line of Credit
 Rates effective 08-29-2026
APR1 Alert Me
9.99%2 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 2Minimum payment is 2.5% of the limit or $10.00 (whichever is greater) ↵
Table data for Share Secured
 
APR1 Alert Me
security rate + 3%2 Receive a notification when this rate changes
  • 1APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 2The Security Rate is the dividend rate paid on the account (security) that is held as collateral to secure the loan. The rate may change after the account is opened. Member may borrow a maximum of 90% of the value of available shares if the loan requires a single payment at maturity Member may borrow a maximum of 100% of the value of available shares if the loan requires monthly interest only payments. ↵

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