Rates

Special Promotions

Fuel Up for Savings

Auto Loan rates as low as 1.99% APR plus the chance to win a $100 Gas Card. Additional Loyalty or Relationship Rewards rate discounts available.


Watch Your Savings Soar

Earn 2.52% APY with our 24-month Share Certificate Special. Plus, eligible Loyalty Rewards Member will receive a Dividend Rate Bonus of .25%.

Share Certificate (CD) Rates

Offered Rates APY* 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month
$1,000-$10,000 0.85% 1.56% 2.52% 2.63% 2.78% 2.98%
$10,001-$50,000 0.95% 1.76% 2.52% 2.68% 2.88% 3.14%
$50,000 or over 1.15% 1.91% 2.52% 2.78% 3.03% 3.29%

*APY = Annual Percentage Yield Minimum opening deposit of $1,000 Dividends credited quarterly Additional deposit not allowed Withdrawal allowed – with penalty Renewable automatically Dividend Rate Bonus of .25% APY available to our Loyalty Rewards Members. Share Certificate Builder Rate is .75% for one year

Dividend Rates

Account Type Rate APY*
Regular Shares (Savings) 0.05% 0.05%
Regular Checking (Share Draft) 0.00% 0.00%
Prime Time Share Draft (Prime Time Checking) 0.05% 0.05%
Club Savings 0.05% 0.05%
Rainy Day Savings** 2.25% 2.27%
Regular IRA 0.10% 0.10%
Roth IRA 0.10% 0.10%

*APY = Annual Percentage Yield

**Rainy Day Savings rate of 2.25% APY on first $5000 deposited. Balances over $5000 earn the regular share rate of .05%.

Money Market Share Account

Balance Rate APY*
$2,500-$24,999 1.00% 1.00%
$25,000-$49,999 1.10% 1.11%
$50,000-$99,999 1.20% 1.21%
$100,000 or over 1.35% 1.36%

*APY = Annual Percentage Yield Dividend Rate Bonus of .15% APY available to our Loyalty Rewards Members.

IRA Share Certificate (CD) Rates

Offered Rates APY* 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month
$5,000-$10,000 0.85% 1.66% 2.63% 2.73% 2.88% 3.09%
$10,001-$50,000 0.95% 1.86% 2.63% 2.78% 2.98% 3.24%
$50,000 or over 1.15% 2.02% 2.63% 2.88% 3.14% 3.39%

*APY = Annual Percentage Yield Fees could reduce earnings Rates are subject to change without notice Dividend Rate Bonus of .25% APY available to our Loyalty Rewards Members.

Loans

Account Type As Low As APR*
Auto Loans 1.99%
Credit Cards 9.90%
1st Mortgage Click here for rates
Home Equity Loan 3.99% (Try our new Home Equity Rebate Program! Click here for more details!)
Home Equity Line of Credit 5.50%† (Try our new Home Equity Rebate Program! Click here for more details!)
Signature Loan 11.49%
Personal Line of Credit 11.49%
Share Secured Loan Share Rate + 3.00%
Debt Consolidation 11.49%

*APR = Annual Percentage Rates Starting rates are available to the most qualified applicants Rates are subject to change without notice Rates and terms may vary and are subject to change at any time and without notice. A $15,000 auto loan at 1.99% for 36 months would have monthly payments of $429.57.
† Indicates variable rate

*APRs shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines. Credit Card rates start at 9.90% fixed rate initially but are subject to change.

Rates are current as of July 1, 2019 and are subject to change. All loans subject to credit approval and membership eligibility. Other terms and restrictions may apply. Please email admin@hudfcu.org or call 202-863-2800 for additional details.

A .25% Loyalty Rewards Loan Rate Discount AND .50% Relationship Rewards Program Discount are available on these HUDFCU consumer loans: Personal Loan, Auto Loan and Home Equity Loan. New loans only; not available on existing HUDFCU loans. $5,000 minimum loan amount. Loans are subject to credit approval. There is a .75% maximum discount per loan.