Heritage South Credit Union
Thursday, July 29, 2010
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Current Rates

updated July 27, 2010

** rates are subject to change without notice, certain rules and restrictions apply
all accounts are insured by NCUA, American Share Insurance, and Equal Housing Lender


You can check some of our standard rates anytime, anywhere from your mobile phone by visiting myhscu.com/onthego from your cellphone's web browser.*

Mortgage Loan Rates

TermRateMax LTVIndex per Product
30 Year 5/5
Index:60 day Freddie Mac rounded to the nearest 1/4%
4.75%
5.50%
6.00%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
15 Year 5/5
Index:60 day Freddie Mac - 25 basis points
4.00%
4.75%
5.50%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
15 Year Fixed
Index:60 day Freddie Mac + 75 basis points
5.00%
5.25%
5.50%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
HELOC
Variable Rate Adjusted Annually
5.00%
6.00%
7.00%
A Paper
B Paper
(80% max) C Paper
Prime Rate
Prime Rate plus One
Prime Rate plus Two
Floor Rate: 5.00%
Express Equity Fixed5.50%> 700 Beacon ScorePrime Rate +50 basis points
Floor Rate: 5.50%

Secured Loan Rates

DescriptionTermRate
New Autos, Vans, TrucksUp to 48 months as low as 4.75%
New Autos, Vans, Trucks49 - 60 months as low as 5.00%
New Autos, Vans, Trucks
*$20,000 minimum
61 - 72 months as low as 5.25%
Used Autos, Vans, Trucks (1-4 yr)Up to 48 months as low as 5.75%
Used Autos, Vans, Trucks (1-4 yr)
*$15,000 minimum
49 - 60 months as low as 6.25%
Used Autos, Vans, Trucks (>5 yr)
*$10,000 minimum
Up to 48 months as low as 6.50%
New Boats, PWC, and MotorcyclesUp to 48 months as low as 6.00%
New Boats, PWC, and Motorcycles49 - 60 months as low as 6.50%
New Boats, PWC, and Motorcycles
*$20,000 minimum
61 - 72 months as low as 7.00%
Used Boats, PWC, and Motorcycles (1-4 yr)
*$10,000 minimum
Up to 36 months as low as 7.00%
Used Boats, PWC, and Motorcycles (1-4 yr)
*$15,000 minimum
Up to 60 months as low as 7.50%
Used Boats, PWC, and Motorcycles (>5 yr)Up to 48 months as low as 8.00%
New Motor Homes and Travel TrailersUp to 60 months as low as 6.00%
New Motor Homes and Travel Trailers
*$20,000 minimum
61 - 72 months as low as 6.50%
New Motor Homes and Travel Trailers
*$30,000 minimum
73 - 84 months as low as 7.00%
New Motor Homes and Travel Trailers
*$50,000 minimum
85 - 120 months as low as 7.50%
Used Motor Homes and Travel Trailers (1-4 yr)Up to 48 months as low as 7.00%
Used Motor Homes and Travel Trailers (1-4 yr)
*$20,000 minimum
49 - 60 months as low as 7.50%
Used Motor Homes and Travel Trailers (1-4 yr)
*$30,000 minimum
61 - 72 months as low as 8.00%
Used Motor Homes and Travel Trailers (>5 yr)
*$10,000 minimum
Up to 48 months as low as 8.00%
New and Used Lawn Tractors, EquipmentUp to 48 months as low as 9.50%

Unsecured Loan Rates

TermARateBRateCRateDRate
up to 24 months10.2511.2517.0018.00
up to 36 months10.2511.2517.00n/a

Share Accounts

 Dividend Rate (%)APY* (%)
Regular Shares (Savings)0.250.25
Christmas Club0.250.25
Vacation Club0.250.25
Individual Retirement Accounts1.241.25
Money Market $2,500 - $4,9990.750.75
Money Market $5,000 - $10,0000.850.85
Money Market $10,001 - $25,0001.241.25
Money Market over $25,0001.491.50
Prestige Checking0.250.25
Premium Rewards Checking**4.004.00

* APY = Annual Percentage Yield


Certificates

 Div. RateAPY* (%)Term
6 Mth CD1.151.166
12 Mth CD1.451.4612
18 Mth CD1.651.6618
24 Mth CD1.751.7624
36 Mth CD2.082.1036
48 Mth CD2.472.5048
6 Mth CD w/Direct Deposit1.201.216
12 Mth CD w/Direct Deposit1.651.6712
18 Mth CD w/Direct Deposit1.831.8518
24 Mth CD w/Direct Deposit2.222.2424
36 Mth CD w/Direct Deposit2.472.5036
48 Mth CD w/Direct Deposit2.963.0048
IRA Certificate2.082.1036
IRA Certificate w/ Direct Deposit2.472.5036

* APY = Annual Percentage Yield

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