Rates


New and used vehicles:

These rates are effective as of September 3, 2014.

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
* Newer Autos 2011-2015 24 2.30% 2.8% 5.3% 9.3% 18% 18%
36 2.44% 2.94% 5.44% 9.44% 18% 18%
48 2.64% 3.14% 5.64% 9.64% 18% 18%
60 2.64% 3.14% 5.64% 9.64% 18% 18%
72 2.84% 3.34% 5.84% 9.84% 18% 18%
*84 4.69% 5.19% 7.69% 11.69% 18% 18%
* Minimum amount financed on 84 month loans is $25,000.
* Used Autos 2002-Older 36 7.25% 7.75% 10.25% 14.25% 18% 18%
2003-2010 24 2.90% 3.4% 5.9% 9.9% 18% 18%
36 3.14% 3.64% 6.14% 10.14% 18% 18%
48 3.14% 3.64% 6.14% 10.14% 18% 18%
2005-2010 60 2.99% 3.49% 5.99% 9.99% 18% 18%
72 3.40% 3.9% 6.4% 10.4% 18% 18%
*84 4.99% 5.49% 7.99% 11.99% 18% 18%
* Minimum amount financed on 84 month loans is $25,000.
* Classic Cars & Motorcycles 100% of Appraised Value 60 7.94% 8.44% 10.94% 14.94% 18% 18%

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

These rates are effective as of September 3, 2014.

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
* Motorcycles
Harley Davidson LTV Adjustments:
Applies to all terms
> 100% to 110% LTV = + .10%
> 110% to 120% LTV = + .25%
> 120% LTV = + .75
New & Used 48 2.90% 3.4% 5.9% 9.9% 18% 18%
60 3.15% 3.65% 6.15% 10.15% 18% 18%
72 3.39% 3.89% 6.39% 10.39% 18% 18%
84 3.90% 4.4% 6.9% 10.9% 18% 18%
* Minimum amount financed on 84 month loans is $20,000.
* Snowmobiles, Watercrafts & ATVs New & Used
up to 10 model years old
24 2.64% 3.14% 5.64% 9.64% 18% 18%
36 2.84% 3.34% 5.84% 9.84% 18% 18%
48 2.90% 3.4% 5.9% 9.9% 18% 18%
60 3.14% 3.64% 6.14% 10.14% 18% 18%
72 4.15% 4.65% 7.15% 11.15% 18% 18%
* Motor Homes, Campers & Boats $1,000 - $4,999 36 5.20% 5.7% 8.2% 12.2% 18% 18%
$5,000 - $7,999 60 4.65% 5.15% 7.65% 11.65% 18% 18%
$8,000 - $11,999 84 4.70% 5.2% 7.7% 11.7% 18% 18%
$12,000 - $15,999 96 5.14% 5.64% 8.14% 12.14% 18% 18%
$16,000 - $19,999 120 5.20% 5.7% 8.2% 12.2% 18% 18%
$20,000 - Over 144 5.95% 6.45% 8.95% 12.95% 18% 18%
* Motor Homes, Campers & Boats (Balloons) $8,000 - $11,999 60 Mo. (84) 4.65% 5.15% 7.65% 11.65% 18% 18%
$12,000 - $15,999 60 Mo. (96) 4.65% 5.15% 7.65% 11.65% 18% 18%
$16,000 - $19,999 60 Mo. (120) 4.65% 5.15% 7.65% 11.65% 18% 18%
$20,000 - Over 60 Mo. (144) 4.65% 5.15% 7.65% 11.65% 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 September 3, 2014.

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 150,000+ miles have a maximum term of 36 months. (does not apply to diesel engine autos) 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 11/01/2014. 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 certificates 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 .10% .10%
PeeWee Penguin Club & Teen Club   $25 1.00% 1.00%
Christmas Club   $25 1.00% on balances $0-$5,000.00 and 0.05% on balances $5,000.01 and above. 1.00% on balances $0-$5,000.00 and 0.05% on balances $5,000.01 and above.
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 .10% .10%
$25,000 - $99,999.99 .15% .15%
$100,000 or more .20% .20%
6 Month $500 - $24,999.99 .30% .30%
$25,000 - $99,999.99 .35% .35%
$100,000 or more .40% .40%
9 Month $500 - $24,999.99 .30% .30%
$25,000 - $99,999.99 .35% .35%
$100,000 or more .40% .40%
12 Month $500 - $24,999.99 .40% .40%
$25,000 - $99,999.99 .45% .45%
$100,000 or more .50% .50%
18 Month $500 - $24,999.99 .40% .40%
$25,000 - $99,999.99 .45% .45%
$100,000 or more .50% .50%
24 Month $500 - $24,999.99 .70% .70%
$25,000 - $99,999.99 .75% .75%
$100,000 or more .80% .80%
30 Month $500 - $24,999.99 .75% .75%
$25,000 - $99,999.99 .80% .80%
$100,000 or more .85% .85%
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 1.83% 1.85%
$25,000 - $99,999.99 1.88% 1.90%
$100,000 or more 1.93% 1.95%

Lifestyle Lending:

These rates are effective as of September 3, 2014.

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
Lifestyle Lending
$50,000 Max
Available only at select retailers, medical & dental offices, & home improvement outlets.
$500 - $999 6 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A
$1,000 - $1,499 12 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A
$1,500 - $2,499 24 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A
$2,500 - $3,999 36 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A
$4,000 - $4,999 48 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A
$5,000 - $50,000 60 Mo. 8.99% 9.49% 11.99% 15.99% N/A N/A

IRA Share Account

These dividend rates are effective 11/01/2014. 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 certificates 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 11/01/2014. 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 certificates 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 .40% .40%
$25,000 - $99,999.99 .45% .45%
$100,000 or more .50% .50%
18 Month $500 - $24,999.99 .40% .40%
$25,000 - $99,999.99 .45% .45%
$100,000 or more .50% .50%
24 Month $500 - $24,999.99 .70% .70%
$25,000 - $99,999.99 .75% .75%
$100,000 or more .80% .80%
30 Month $500 - $24,999.99 .75% .75%
$25,000 - $99,999.99 .80% .80%
$100,000 or more .85% .85%
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 1.83% 1.85%
$25,000 - $99,999.99 1.88% 1.90%
$100,000 or more 1.93% 1.95%

Money Markets

These dividend rates are effective 11/01/2014. 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 certificates 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 and Business Money Market   $1.00 - $3,499.99 0.06% 0.06%
  $3,500 - $4,999.99 0.06% 0.06%
  $5,000 - $24,999.99 0.10% 0.10%
  $25,000 - $49,999.99 0.12% 0.12%
  $50,000 - $99,999.99 0.15% 0.15%
  $100,000 or more 0.20% 0.20%

These dividend rates are effective 11/01/2014. 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 certificates 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 and Business Elite Money Market   $2,500 - $9,999.99 .10% .10%
  $10,000 - $24,999.99 .15% .15%
  $25,000 - $49,999.99 .20% .20%
  $50,000 - $74,999.99 .25% .25%
  $75,000 - $89,999.99 .25% .25%
  $90,000 or more .30% .30%

Credit Cards Rates

These rates are effective as of September 3, 2014.

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)