Rates

1st Mortgage

These rates are effective as of Monday, February 13, 2012.

Type Term Maximum Amount Rates Points APR
1st Time Homebuyer Program 30 years $204,432 4.125% 0.0% 4.412%
Conventional 30 Year Fixed 30 years $417,000 4.125% 0.0% 4.258%
Conventional 20 Year Fixed 20 years $417,000 4.125% 0.0% 4.309%
Conventional 15 Year Fixed 15 years $417,000 3.375% 0.0% 3.606%
Conventional 10 Year Fixed 10 years $417,000 3.375% 0.0% 3.710%
FHA Loans 30 years $271,050 3.875% 0.0% 4.634%
VA Loans 30 years $417,000 3.875% 0.0% 4.144%

Home Equity / Second Mortgage

These rates are effective as of Monday, February 13, 2012.

Type of Loan Terms A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR
720+ 680-719 640-679 600-639 599-Below
APR APR APR APR APR
Variable/Line of Credit* Rates May Change Quarterly Wall Street Prime plus 0.0% Wall Street Prime plus 0.5% Wall Street Prime plus 1.5% Wall Street Prime plus 3.5% Wall Street Prime plus 6%
Fixed* 1 - 5 years 5.500% 6% 7% 9% 11.5%
6 - 10 years 5.740% 6.24% 7.24% 9.24% 11.74%
11 - 15 years 6.140% 6.64% 7.64% 9.64% 12.14%
Balloon*            
Up to 15 yr amortization 5 years 5.500% 6% 7% 9% 11.5%
Up to 20 yr amortization 5 years 5.740% 6.24% 7.24% 9.24% 11.74%
Up to 30 yr amortization 5 years 6.000% 6.5% 7.5% 9.5% 12%
*Interest rates increase 1% if LTV is greater than 90% based on the appraisal of the property.

Land / Lot

These rates are effective as of Monday, February 13, 2012.

Type of Loan Terms A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR
720+ 680-719 640-679 600-639 599-Below
Rate APR Rate APR Rate APR Rate APR Rate APR
  5 years 7.50% 7.946% 8% 8.448% 9% 9.452% 11% 11.461% 13.5% 13.973%
  10 years 7.75% 7.992% 8.25% 8.494% 9.25% 9.499% 11.25% 11.509% 13.75% 14.022%
  15 years 8.00% 8.175% 8.5% 8.678% 9.5% 9.683% 11.5% 11.695% 14% 14.210%
The APR calculation is based on a $100,000 loan amount for a fixed loan with a .5% origination and the maximum term allowable. This is assuming 20% down or a 80% loan-to-value with no PMI insurance.

Construction

These rates are effective as of Monday, February 13, 2012.

Type of Loan Terms A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR
720+ 680-719 640-679 600-639 599-Below
Rate APR Rate APR Rate APR Rate APR Rate APR
  6 Months 7.50% 10.340% 8% 10.845% 9% 11.852% 11% 13.867% 13.5% 16.387%
The APR calculation is based on a $100,000 loan amount for a fixed loan with a .5% origination and the maximum term allowable. This is assuming 20% down or a 80% loan-to-value with no PMI insurance.

New and used vehicles:

These rates are effective as of 01/06/12.

Type of Loan Terms (months) A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR R Rate APR
730 + 680-729 640-679 600-639 550-599 549-Below
* New Autos 2010 - 2012 24 2.49% 2.99% 5.49% 7.49% 18% 18%
36 2.59% 3.09% 5.59% 7.59% 18% 18%
48 2.69% 3.19% 5.69% 7.69% 18% 18%
60 2.70% 3.2% 5.7% 7.7% 18% 18%
72 3.29% 3.79% 6.29% 8.29% 18% 18%
*84 4.99% 5.49% 7.99% 9.99% 18% 18%
* Minimum amount financed on 84 month loans is $25,001.
* Used Autos 2002 - Older 36 7.74% 8.24% 10.74% 12.74% 18% 18%
2003 - 2009 24 3.29% 3.79% 6.29% 8.29% 18% 18%
36 3.29% 3.79% 6.29% 8.29% 18% 18%
48 3.29% 3.79% 6.29% 8.29% 18% 18%
2005 - 2009 60 3.35% 3.85% 6.35% 8.35% 18% 18%
72 3.89% 4.39% 6.89% 8.89% 18% 18%
*84 5.25% 5.75% 8.25% 10.25% 18% 18%
* Minimum amount financed on 84 month loans is $25,001.
* Classic Cars & Motorcycles 100% of Appraised Value 60 7.94% 8.44% 10.94% 12.94% 18% 18%

Boats, ATV’s, motorcycles, campers, and snowmobiles:

These rates are effective as of 01/06/12.

Type of Loan Terms (months) A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR R Rate APR
730 + 680-729 640-679 600-639 550-599 549-Below
* New Harley-Davidson
LTV Adjustments:
Applies to all terms
> 100% to 110% LTV = + .10%
> 110% to 120% LTV = + .25%
> 120% LTV = + .75
2009 - 2012 48 3.75% 4.25% 6.75% 8.75% 18% 18%
60 3.99% 4.49% 6.99% 8.99% 18% 18%
72 4.50% 5% 7.5% 9.5% 18% 18%
84 5.50% 6% 8.5% 10.5% 18% 18%
* Minimum amount financed on 84 month loans is $20,001.
* Used Harley-Davidson
LTV Adjustments:
Applies to all terms
> 100% to 110% LTV = + .10%
> 110% to 120% LTV = + .25%
> 120% LTV = + .75
2008 & Older 48 3.99% 4.49% 6.99% 8.99% 18% 18%
60 4.25% 4.75% 7.25% 9.25% 18% 18%
72 4.75% 5.25% 7.75% 9.75% 18% 18%
84 5.75% 6.25% 8.75% 10.75% 18% 18%
* Minimum amount financed on 84 month loans is $20,001.
* New Motorcycles 2011 - 2012 48 6.09% 6.59% 9.09% 11.09% 18% 18%
60 5.69% 6.19% 8.69% 10.69% 18% 18%
72 5.89% 6.39% 8.89% 10.89% 18% 18%
84 5.99% 6.49% 8.99% 10.99% 18% 18%
* Minimum amount financed on 84 month loans is $20,001.
* Used Motorcycles 2003 - 2010 48 6.09% 6.59% 9.09% 11.09% 18% 18%
60 5.69% 6.19% 8.69% 10.69% 18% 18%
72 5.89% 6.39% 8.89% 10.89% 18% 18%
84 5.99% 6.49% 8.99% 10.99% 18% 18%
* Minimum amount financed on 84 month loans is $20,001.
* Snowmobiles & Watercrafts 2011 - 2012 48 6.45% 6.95% 9.45% 11.45% 18% 18%
2007 - 2010 36 7.24% 7.74% 10.24% 12.24% 18% 18%
2006 - Older 24 8.45% 8.95% 11.45% 13.45% 18% 18%
* ATVs 2011 - 2012 48 6.45% 6.95% 9.45% 11.45% 18% 18%
2011 - 2012 60 6.73% 7.23% 9.73% 11.73% 18% 18%
2007 - 2010 36 7.20% 7.7% 10.2% 12.2% 18% 18%
2006 - Older 24 8.45% 8.95% 11.45% 13.45% 18% 18%
* Motor Homes, Campers & Boats $1,000 - $4,999 36 7.99% 8.49% 10.99% 12.99% 18% 18%
$5,000 - $7,999 60 6.99% 7.49% 9.99% 11.99% 18% 18%
$8,000 - $11,999 84 5.99% 6.49% 8.99% 10.99% 18% 18%
$12,000 - $15,999 96 5.99% 6.49% 8.99% 10.99% 18% 18%
$16,000 - $19,999 120 6.99% 7.49% 9.99% 11.99% 18% 18%
$20,000 - $24,999 144 6.99% 7.49% 9.99% 11.99% 18% 18%
$25,000 - Over 180 7.99% 8.49% 10.99% 12.99% 18% 18%
* Motor Homes, Campers & Boats (Balloons) $8,000 - $11,999 60 Mo. (84) 5.99% 6.49% 8.99% 10.99% 18% 18%
$12,000 - $15,999 60 Mo. (96) 5.99% 6.49% 8.99% 10.99% 18% 18%
$16,000 - $19,999 60 Mo. (120) 5.99% 6.49% 8.99% 10.99% 18% 18%
$20,000 - Over 60 Mo. (144) 5.99% 6.49% 8.99% 10.99% 18% 18%
* Balloon rates apply to new and up to 6 year old units.

Share or Certificate Secured Loans:

These rates are effective as of 01/06/12.

Type of Loan Terms (months) A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR R Rate APR
730 + 680-729 640-679 600-639 550-599 549-Below
Shares Pledged Shares - 100% of Balance Any Term 6.50% 6.50% 6.50% 6.50% 6.50% 6.50%
CD - 100% of Balance
3% APR Rate Floor
Term of CD 2.25% Over 2.25% Over 2.25% Over 2.25% Over 2.25% Over 2.25% Over

* Loan Payment Example: at 4.99% APR for a 60 month term with 0% down, monthly payments are calculated at $18.87 per $1,000.00 borrowed. APR = Annual Percentage Rate. * Not all borrowers will qualify for the lowest APR or 0% down. All Loans Subject to Eligibility Requirements.

$25 minimum monthly payments apply. Any vehicles with 100,000+ miles have a maximum term of 36 months. Rates Subject to change without notice. Secured rates based on 100% Loan to Value - Rate Adjustment for > 100% Loan to Value & Mileage may apply.


Share Savings and Share Certificate Rates

These dividend rates are effective 02/22/12. The rates for Share account, Pee Wee Penguin, Teen, Christmas and Summer Savings club accounts are variable rates and may change after the account is opened. Share Certificate rates may change upon completion of the term. All share certifcates are subject to a penalty for early withdrawal. Members are advised to contact Member Services for further information on applicable fees and terms. Please contact Highmark FCU at 605-716-4444.

Account Type Term Balance Dividend Rate Annual Percentage Yield (APY)
Share Account   $100 0.05% 0.05%
PeeWee Penguin Club & Teen Club   $25 1.00% 1.00%
Christmas Club   $25 1.00% 1.00%
Summer Savings   $25 2.97% on balances $0-$15,000.00 and 0.05% on balances $15,000.01 and above. 3.00% on balances $0-$15,000.00 and 0.05% on balances $15,000.01 and above.
Share Certificates 3 Month $500 - $24,999.99 0.20% 0.20%
$25,000 - $99,999.99 0.25% 0.25%
$100,000 or more 0.30% 0.30%
6 Month $500 - $24,999.99 0.40% 0.40%
$25,000 - $99,999.99 0.45% 0.45%
$100,000 or more 0.50% 0.50%
9 Month $500 - $24,999.99 0.40% 0.40%
$25,000 - $99,999.99 0.45% 0.45%
$100,000 or more 0.50% 0.50%
12 Month $500 - $24,999.99 0.55% 0.55%
$25,000 - $99,999.99 0.60% 0.60%
$100,000 or more 0.65% 0.65%
18 Month $500 - $24,999.99 0.60% 0.60%
$25,000 - $99,999.99 0.65% 0.65%
$100,000 or more 0.70% 0.70%
24 Month $500 - $24,999.99 0.70% 0.70%
$25,000 - $99,999.99 0.75% 0.75%
$100,000 or more 0.80% 0.80%
30 Month $500 - $24,999.99 1.00% 1.00%
$25,000 - $99,999.99 1.04% 1.05%
$100,000 or more 1.09% 1.10%
36 Month $500 - $24,999.99 1.09% 1.10%
$25,000 - $99,999.99 1.14% 1.15%
$100,000 or more 1.19% 1.20%
48 Month $500 - $24,999.99 1.49% 1.50%
$25,000 - $99,999.99 1.54% 1.55%
$100,000 or more 1.59% 1.60%
60 Month $500 - $24,999.99 1.74% 1.75%
$25,000 - $99,999.99 1.79% 1.80%
$100,000 or more 1.84% 1.85%

IRA Share Account

These dividend rates are effective 02/22/12. The rates for Share account, Pee Wee Penguin, Teen, Christmas and Summer Savings club accounts are variable rates and may change after the account is opened. Share Certificate rates may change upon completion of the term. All share certifcates are subject to a penalty for early withdrawal. Members are advised to contact Member Services for further information on applicable fees and terms. Please contact Highmark FCU at 605-716-4444.

Account Type Term Balance Dividend Rate Annual Percentage Yield (APY)
IRA Share Account   25 0.70% 0.70%

IRA Share Certificates

These dividend rates are effective 02/22/12. The rates for Share account, Pee Wee Penguin, Teen, Christmas and Summer Savings club accounts are variable rates and may change after the account is opened. Share Certificate rates may change upon completion of the term. All share certifcates are subject to a penalty for early withdrawal. Members are advised to contact Member Services for further information on applicable fees and terms. Please contact Highmark FCU at 605-716-4444.

Account Type Term Balance Dividend Rate Annual Percentage Yield (APY)
IRA Share Certificates 12 Month $500 - $24,999.99 0.55% 0.55%
$25,000 - $99,999.99 0.60% 0.60%
$100,000 or more 0.65% 0.65%
18 Month $500 - $24,999.99 0.70% 0.70%
$25,000 - $99,999.99 0.75% 0.75%
$100,000 or more 0.80% 0.80%
24 Month $500 - $24,999.99 0.70% 0.70%
$25,000 - $99,999.99 0.75% 0.75%
$100,000 or more 0.80% 0.80%
30 Month $500 - $24,999.99 1.00% 1.00%
$25,000 - $99,999.99 1.04% 1.05%
$100,000 or more 1.09% 1.10%
36 Month $500 - $24,999.99 1.09% 1.10%
$25,000 - $99,999.99 1.14% 1.15%
$100,000 or more 1.19% 1.20%
48 Month $500 - $24,999.99 1.49% 1.50%
$25,000 - $99,999.99 1.54% 1.55%
$100,000 or more 1.59% 1.60%
60 Month $500 - $24,999.99 1.98% 2.00%
$25,000 - $99,999.99 2.03% 2.05%
$100,000 or more 2.08% 2.10%

Money Markets

These dividend rates are effective 02/22/12. The rates for Share account, Pee Wee Penguin, Teen, Christmas and Summer Savings club accounts are variable rates and may change after the account is opened. Share Certificate rates may change upon completion of the term. All share certifcates are subject to a penalty for early withdrawal. Members are advised to contact Member Services for further information on applicable fees and terms. Please contact Highmark FCU at 605-716-4444.

Account Type Term Balance Dividend Rate Annual Percentage Yield (APY)
Money Market   $1.00 - $3,499.99 0.10% 0.10%
  $3,500 - $4,999.99 0.10% 0.10%
  $5,000 - $24,999.99 0.10% 0.10%
  $25,000 - $49,999.99 0.20% 0.20%
  $50,000 - $99,999.99 0.20% 0.30%
  $100,000 or more 0.30% 0.40%

These dividend rates are effective 02/22/12. The rates for Share account, Pee Wee Penguin, Teen, Christmas and Summer Savings club accounts are variable rates and may change after the account is opened. Share Certificate rates may change upon completion of the term. All share certifcates are subject to a penalty for early withdrawal. Members are advised to contact Member Services for further information on applicable fees and terms. Please contact Highmark FCU at 605-716-4444.

Account Type Term Balance Dividend Rate Annual Percentage Yield (APY)
Elite Money Market   $2,500 - $9,999.99 0.15% 0.15%
  $10,000 - $24,999.99 0.20% 0.20%
  $25,000 - $49,999.99 0.30% 0.30%
  $50,000 - $74,999.99 0.40% 0.40%
  $75,000 - $89,999.99 0.40% 0.40%
  $90,000 or more 0.40% 0.40%

Credit Cards Rates

These rates are effective as of 01/06/12.

Type of Loan Terms (months) A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR R Rate APR
730 + 680-729 640-679 600-639 550-599 549-Below
Visa Gold $500 - $5,000 Revolving 12.15% 13.15% 14.15% N/A N/A N/A
Visa Platinum $5,001 - $20,000 Revolving 9.15% 10.15% 11.15% N/A N/A N/A

View Highmark Federal Credit Union's Credit Card Application and Disclosures. Feel free to print, fill-in, and bring along with you when you meet with one of our helpful staff.

Application and Disclosures (.pdf - download only)