Unsecured Fixed Rate Personal Loan

Borrow on your signature for purchases, projects or needs that are important to you, such as a computer, home improvements, or bill paying.

• $500 minimum amount on personal - $1,000 minimum on home improvement.
• $15,000 maximum amount.
• Maximum term of 60 months.

Apply Now!

Rates accurate as of 11/20/2025

*Terms of repayment example: 48 monthly payments of $24.89 per $1000 borrowed at 9.00% APR**
**APR= Annual Percentage Rate

Overdraft Line of Credit (LOC) 

An Overdraft Line of Credit (LOC) is a pre-approved revolving credit line linked to your Share Draft Account (checking account) that allows HFCU to advance funds to cover transactions when your available balance is insufficient. Using the LOC can help avoid returned item fees and service disruptions. Drawn balances accrue interest and must be repaid under the terms of your credit agreement.

How It Works

• You must apply for and be approved for an overdraft LOC.
• If a transaction would overdraw your share draft (checking) account, eligible funds may be automatically drawn from your LOC to cover the shortfall.
• You will be charged interest on amounts drawn, and possibly a transfer or credit advance fee (if permitted).
• You are required to repay borrowed amounts in accordance with your LOC agreement.

Features

• The Overdraft Line of Credit has a fixed Annual Percentage Rate (APR) of 15.00%.
• Loan amounts are : $500 minimum to $3,000 maximum. The LOC is open-ended. The amount of the credit limit is not pre-set and is determined based on the member’s creditworthiness, subject to approval and periodic review.

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Rates accurate as of 11/20/2025

Unsecured Personal Line of Credit

Between the long hours, constant uncertainties, and never-ending payments, many of our members are dealing with significant financial stress. That's not right. We want Healthcare Financial members to spend time with their families and friends, not with their bills.

That's why we're offering a personal line of credit to relieve some of the pressure.

With your personal line of credit, you'll enjoy:

• An introductory fixed low rate for 6 months at 5.99% APR*
• Easy online access and transferal of funds
• And more!

Best of all—you can use your personal credit for anything you need!

You've helped us. Now, let us help you!

Apply for a Personal Line of Credit today!

Rates accurate as of 11/20/2025

*APR = Annual Percentage Rate. Introductory fixed rate of 5.99% APR for 6 months, variable rate thereafter. This introductory rate can be reviewed or withdrawn at any time. After 6 months - Risk Based Lending Rates Apply. Rate is based on the current Wall Street Journal Prime Rate plus a margin. Margins range from 3.99% APR to 8.99% APR depending on creditworthiness. Minimum line amount $1,000. Maximum line amount $15,000. Minimum Interest Rate 5.99% APR. Maximum Interest Rate 17.99% APR. Federally insured by the NCUA. Equal Housing Lender.

Questions?

Email our Lending Department, please do not include any sensitive information when emailing us, or visit one of our 4 branch locations.