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Loan Rates

Table data for New and Used Car Loan Rates
 Rates effective 05-24-2022
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
Up to 24 Months 2.24% $42.65 Receive a notification when this rate changes
25 to 36 Months 2.24% $28.75 Receive a notification when this rate changes
37 to 48 Months 2.24% $21.80 Receive a notification when this rate changes
49 to 65 Months 2.44% $16.44 Receive a notification when this rate changes
66 to 75 Months 2.94% $14.61 Receive a notification when this rate changes
76 to 84 Months 4.49% 13.90 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payments are available. Hanscom FCU offers a 0.25% discount for loans on new and used vehicles (excluding motorcycles) to current active duty members in the U.S. Military. Maximum loan to value for vehicle loans is 120% for members with the best credit profile.
  • 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 Better Than a Lease Loan
 Rates effective 05-24-2022
APR1 Maximum Term Alert Me
New Vehicle 1% above vehicle loan rate 72 months
Used Vehicle 1% above vehicle loan rate 48 months
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  • 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.
Table data for New and Used Boats, Motorcycles and RVs
 Rates effective 05-24-2022
APR1 Payment per $1,0002 Alert Me
Up to 24 Months 3.24% $43.09 Receive a notification when this rate changes
25 to 36 Months 3.24% $29.19 Receive a notification when this rate changes
37 to 48 Months 3.24% $22.24 Receive a notification when this rate changes
49 to 65 Months 3.44% $16.97 Receive a notification when this rate changes
66 to 75 Months 3.94% $15.06 Receive a notification when this rate changes
76 to 84 Months 5.49% $14.37 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 Home Equity 3 in 1 Advantage Plan
 Rates effective 05-24-2022
Line of Credit and MasterCard Platinum Credit Card APR1 Payment per $1,0002 Alert Me
To 75% LTV (Prime - 1/2%) 3.50% Varies Receive a notification when this rate changes
76% to 85% LTV (Prime + 1/2%) 4.50% Varies Receive a notification when this rate changes
Over 85% LTV (Prime + 1 1/2%) 5.50% Varies Receive a notification when this rate changes
Fixed Rate Advance - To 75% LTV Alert Me
Up to 5 years 4.49% $18.64 Receive a notification when this rate changes
5 to 10 years 4.99% $10.60 Receive a notification when this rate changes
10 to 15 years 5.24% $8.03 Receive a notification when this rate changes
15 to 20 years 5.99% $7.16 Receive a notification when this rate changes
Fixed Rate Advance - 76% to 85% LTV Alert Me
Up to 5 years 4.74% $18.75 Receive a notification when this rate changes
5 to 10 years 5.24% $10.72 Receive a notification when this rate changes
10 to 15 years 5.49% $8.17 Receive a notification when this rate changes
15 to 20 years 6.24% $7.30 Receive a notification when this rate changes
Fixed Rate Advance - Over 85% LTV Alert Me
Up to 5 years 4.99% $18.87 Receive a notification when this rate changes
5 to 10 years 5.49% $10.85 Receive a notification when this rate changes
10 to 15 years 5.74% $8.30 Receive a notification when this rate changes
15 to 20 years 6.49% $7.45 Receive a notification when this rate changes
Apply for a Home Equity 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, Alaska, Hawaii, 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.
  • 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 Hanscom FCU Credit Cards
 Rates effective 05-24-2022
APR1 Alert Me
Platinum Mastercard ® 8.49% Receive a notification when this rate changes
Platinum Secured Mastercard ® 8.49% Receive a notification when this rate changes
CASH + REWARDS World Mastercard ® 10.74%2 Receive a notification when this rate changes
Apply for a Credit Card 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. 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.
  • 1APR=Annual Percentage Rate.
Table data for Personal/Signature Loan
 Rates effective 05-24-2022
APR1 Payment per $1,0002 Alert Me
Up To 60 months 8.49% $20.51 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 05-24-2022
APR1 Alert Me
8.49% 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.
Table data for Share Secured
 
APR1 Alert Me
security rate + 3% 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.