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Loan Rates

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New and Existing Housing Loans (effective 2/9/16)

Home Loans

  Interest Rate Comparison Rate
Home Loan ($150,000 over 20 years)* 5.35% pa  5.50% pa
Home Loan ($150,000 over 25 years)* 5.35% pa 5.48% pa
Home Equity and Land Loans ($80,000 over 7 years)**** 9.00% pa 9.46% pa
Home Equity and Land Loans ($150,000 over 25 years)**** 9.00% pa 9.13% pa
Investment Housing Loan ($150,000.00 over 25 years)**** 5.35% pa 5.48% pa 

****These rates are negotiable based on individual applications. Please contact Heritage Isle Credit Union for further details.

Car Loans

  Interest Rate Comparison Rate
New Car Loan ($30,000 over 3 years)** 9.00% pa 10.16% pa
New Car Loan ($35,000 over 4 years)** 8.50% pa 9.37% pa
Car Loans Older than 3 years 13.99%pa  

Personal Loans

  Interest Rate Comparison Rate
Personal Loan ($25,000 over 5 years)** 13.99% pa  15.07% pa
Personal Loan ($30,000 over 5 years)**   13.99% pa 14.90% pa

Business Loan

  Interest Rate  
Unsecured**** 14.50% pa   
Secured**** 12.50% pa  

****These rates are negotiable based on individual applications. Please contact Heritage Isle Creidt Union for further details.

Overdrafts

  Interest Rate  
Overdraft 15.00% pa  

More Information

Questions?

If you have any questions, please contact us Enquire


*Applicable to secured loans only.
**Applicable to unsecured loans only.
***Interest rates subject to change. Interest rates current as of 2nd September 2016.

****These rates are negotiable based on individual applications. Please contact Heritage Isle Credit Union for further details.
Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs suh as monthly fees or cost savings such as fee discounts and waivers are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application.