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Rates

Current Rate Specials

8 Month CD Rate
4.80%
APY*
13 Month CD Rate
3.00%
APY*
60 Month CD Rate
2.00%
APY*

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates subject to change at any time. Fees may reduce earnings. 

Effective 09/30/2024

Share Accounts

Type Minimum Balance Rate APY
Regular Shares $100 .05% .05%
Holiday Shares $100 .05% .05%
Special Shares $100 .05% .05%
IRA Accumulation Shares $5 - $9,999.99 0.10% 0.10%
IRA Accumulation Shares $10,000+ 0.10% 0.10%

All rates quoted are anticipated rates and are subject to change without notice. Dividend rates are declared monthly or quarterly. Dividends are paid from available earnings. Fees may reduce the account balance and earnings.

Dividends are not paid on balances less than $100 in Regular Share Accounts, Special Share Accounts and Holiday Clubs.


Share Certificates & IRAs

Term Minimum Balance Rate APY
6 Months (Certificates Only) $500 1.00% 1.00%
8 Months (CD Special) $500 4.698% 4.80%
12 Months $500 1.24% 1.25%
13 Months (CD Special) $500 2.97% 3.00%




18 Months $500 1.49% 1.50%
24 Months $500 1.59% 1.60%
36 Months $500 1.69% 1.70%
48 Months $500 1.78% 1.80%
60 Months $500 1.98% 2.00%

Certificate rates are guaranteed for term.
Rates and certificate terms may change without notice.
Certificates automatically renew or are transferred to a regular share account if the certificate term is no longer offered.
Early withdrawals may reduce the principal and earnings.
Account information and early withdrawal penalties are available to members upon request.


Money Market Accounts

Balance Rate APY
$2,500 - $9,999.99 0.25% 0.25%
$10,000 - $24,999.99 0.50% 0.50%
$25,000 - $99,999.99 0.75% 0.75%
$100,000+ 1.05% 1.05%
All rates quoted are anticipated rates and are subject to change without notice.
Dividend rates are declared monthly or quarterly. Dividends are paid from available earnings.
Fees may reduce the account balance and earnings.
Dividends are not paid on balances less than $2,500 in Money Market Accounts.
Account information is available to members upon request.

Vehicle Loans

Term of Loan Amount Available Lowest Available APR Minimum Loan Amount
1 - 36 Months 100% of MSRP, Tax, Title, Tags 5.75% n/a
37 - 60 Months 100% of MSRP, Tax, Title, Tags 6.00% n/a
61 - 72 Months 100% of MSRP, Tax, Title, Tags 6.25% $25,000
73 - 84 Months 100% of MSRP, Tax, Title, Tags 6.50% $25,000
This rate reflects the additional .25% discount on all loans with an automated payment from an active Hershey FCU Share Draft or Regular Share Account.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
These rates and terms are available on new loans only. Refinancing existing Hershey FCU loans does not qualify.

Recreational Vehicle Loans

Loan Type Term of Loan Amount Available Lowest Available APR
New Recreational Vehicles up to 60 months 90% LTV of purchase price 6.24%
New Recreational Vehicles 61 - 120 months 90% LTV of purchase price 6.24%
Used Recreational Vehicles up to 84 months 80% LTV of purchase price 6.74%
This rate reflects the additional .25% discount on all loans with an automated payment from an active Hershey FCU Share Draft or Regular Share Account.
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.

EquiLOC - Home Equity Line of Credit

Draw Period Amount Available Lowest Tier Rate of WSJ Prime Minimum Loan Amount
up to 120 months 85% of Appraisal 8.00% $5,000

Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.

The variable rate can be adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus or minus a margin.


EquiLOC Home Equity Fixed-Term Lock In

Term of Loan Lowest Available APR Minimum Loan Amount
Up to 60 months 5.750% $5,000
61 - 120 months 5.990% $5,000
121 - 180 months 6.240% $5,000

Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.

The variable rate can be adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus or minus a margin.


Personal Loans

Loan Type Term of Loan Amount Available Lowest Available APR
Signature Loan 0 - 60 months Maximum $30,000 10.25%
Signature Line of Credit n/a Maximum $30,000 WSJ Prime+2.50%
This rate reflects the additional .25% discount on all loans with an automated payment from an active Hershey FCU Share Draft or Regular Share Account.
Rates and types may change without notice.
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.
Maximum aggregate signature and Visa loans per member is $30,000.00.

Other Loans

Loan Type Term of Loan Amount Available Lowest Available APR
Share Secured Loan Max 60 Months Per share balance Minimum Rate 2.125%
Credit Builder Loan 0-12 Months $500-$1000 Minimum Rate 3.125%
Better Choice Cash Adv. Maximum 90 Days Maximum $500 18%
All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.

 

Visa Credit Cards

Minimum Payment Amount Available Lowest APR Available
2% of Balance or $15.00 Maximum $25,000 10.25% - 14.25%
Other restrictions or conditions may apply.











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