Rates

¹ APR=Annual Percentage Rate

² New or Used Vehicle Loans / Vehicle Refinance (from other lender): Terms up to 84 months available depending on model, mileage, and amount borrowed. Credit qualifications apply. The rate you receive is determined by credit qualifications. Ask a loan officer for more information. A loan example: $25,000 financed for 60 months at 4.99% APR would make the monthly payment $473. A loan example: $30,000 financed for 84 months at 5.99% APR would make the monthly payment $439.

*New vehicles include current and previous year models under 20,000 miles.

¹ APR=Annual Percentage Rate

⁵ New or Used Motorcycle Loans: 6.24% APR is applicable on Motorcycles with a 10% down payment and terms up to 48 months. Terms up to 72 months available depending on model, mileage, and amount borrowed. Credit qualifications apply. Ask a loan officer for more information. A loan example: $25,000 financed at 6.24% APR for 48 months gives a monthly payment of $591.

Some exceptions apply.

¹ APR=Annual Percentage Rate

⁴ New or Used Boat Loans: 5.99% APR is applicable on new and used Boats for terms up to 60 months. Terms up to 120 months available depending on model, mileage, and amount borrowed. Credit qualifications apply. Please ask a loan officer for more information. A loan example: $40,000 financed at 7.99% APR for 120 months gives a monthly payment of $487.

¹ APR=Annual Percentage Rate

³ Camper/Recreational Vehicle Loans: 5.99% APR is applicable on new and used vehicles for terms up to 60 months. Terms up to 120 months available depending on model, mileage, and amount borrowed. Credit qualifications apply. Please ask a loan officer for more information. A loan example: $40,000 financed at 7.99% APR for 120 months gives a monthly payment of $487.

¹ APR=Annual Percentage Rate

⁹ Credit Card: Subject to credit approval. Your APR is determined by your creditworthiness. The APR will vary with the market based on the Prime Rate. Rates and terms may change; some restrictions apply. Balance transfers cannot be applied to existing Homebase CU loans. Finance charges on purchases, cash advances, and balance transfers are computed using the average daily balance. For cash advances and balance transfers, finance charges begin on the transaction date. Additional details are available by contacting Homebase Credit Union or reviewing the Visa® Platinum Solicitation Disclosure.

¹ APR=Annual Percentage Rate

⁶ Personal Line of Credit: Subject to credit approval. Your rate may vary depending on individual credit history and the Credit Union's underwriting standards. Rates and terms subject to change. Some restrictions may apply. Contact Homebase Credit Union for more details. For additional information, please read the Line of Credit Agreement. 

¹ APR=Annual Percentage Rate

⁸ Lifestyle Loan: 7.99% APR is applicable on a Lifestyle Loan for terms from 6 to 84 months. Terms up to 84 months available depending on amount borrowed. Advertised rate is current as of October 1, 2023, assumes excellent credit, and is subject to change. Credit qualifications apply. Ask a loan officer for more information. A loan example: $25,000 financed at 7.99% APR for 84 months gives a monthly payment of $391. This equates to $32,763 over the life of the loan. Membership required with a $25 minimum deposit and $1.00 membership fee.

¹ APR=Annual Percentage Rate

⁷ Share Secured Loan: Subject to credit approval. Your rate may vary depending on individual credit history and the Credit Union's underwriting standards. Rates and terms subject to change. Some restrictions may apply. Contact Homebase Credit Union for more details. A loan example: $15,000 financed for 60 months at 3.25% APR gives a monthly payment of $272. Additional loan example: $25,000 financed for 72 months at 3.25% APR gives a monthly payment of $383.

1) APR = Annual Percentage Rate

10) Interest rate valid as of October 1, 2026. Offer valid on second mortgages only. Payments do not include taxes and insurance premiums, if applicable. Homebase Credit Union will cover most closing costs (appraisal fees covered up to $650). Closing costs range from $1,500 to $3,900 for loans up to $350,000. LOAN EXAMPLE: $100,000 financed for 180 months at 6.74% APR would make the monthly payment $885. Rates, terms, conditions and services are subject to change. Contact a representative for additional details. Homebase Credit Union does not lend on mobile homes, co-ops or time-shares, properties that are currently listed on the market for sale, commercial property or property used for commercial purposes, even if a residence is part of the property, undeveloped property (land only), properties with more than multiple units.

11) Interest rates are based on the prime rate +0% as published in the Money Rates column of the Wall Street Journal on the date of loan application. There is a minimum rate of 4.00% APR, and a maximum rate of 18% APR. Prime Rate was 7.00% as of October 1, 2026. A home equity line of credit (HELOC) is a variable rate loan and the interest rate is subject to change after consummation of the loan. Rate is adjusted quarterly if necessary, on the first day of January, April, July, or October. Closing costs range from $1,500 to $3,900 for credit lines up to $350,000. LOAN EXAMPLE: $50,000 financed for 180 months at 7.00% APR would make the monthly payment $450. Property insurance (homeowners) is required. Rates, terms, conditions and services are subject to change. Contact a representative for additional details. Homebase Credit Union does not lend on mobile homes, co-ops or time-shares, properties that are currently listed on the market for sale, commercial property or property used for commercial purposes, even if a residence is part of the property, undeveloped property (land only), properties with more than multiple units.

¹ APY = Annual Percentage Yield. Fees could reduce the earnings of the account.

² Share Draft Checking Accounts require an Average Daily Balance of $300.00 to earn the stated monthly dividend. Rates are subject to change monthly as determined by the Credit Union Board of Directors. Dividends are calculated using the average daily balance and are paid and compounded monthly. Dividends are not paid on accounts closed before the end of the month. Fees could reduce the earnings of the account. See Fee Schedule for details. For additional information, please read the Truth in Savings Share Account Disclosure.

³ 5 Star Checking rates are subject to change monthly as determined by the Credit Union Board of Directors. Dividends are calculated using the average daily balance and are paid and compounded monthly. Dividends are not paid on accounts closed before the end of the month. Fees could reduce the earnings of the account. See Fee Schedule for details. For additional information, please read the Truth in Savings Share Account Disclosure.

¹ APY = Annual Percentage Yield. Fees could reduce the earnings of the account.

⁴ Share Accounts require an Average Daily Balance of $300.00 to earn the stated dividend. Primary Share Accounts require a $25 minimum deposit to open. IRA Share Accounts require a minimum deposit of $100 to open. Christmas Club Accounts require a minimum deposit of $5 to open. Rates are subject to change monthly as determined by the Credit Union Board of Directors. Dividends are calculated using the average daily balance and are paid and compounded monthly. Dividends are not paid on accounts closed before the end of the quarter.  Fees could reduce the earnings of the account. For additional information, please read the Truth in Savings Share Account Disclosure.

¹ APY = Annual Percentage Yield. Fees could reduce the earnings of the account.

⁵ Money Market Accounts require an Average Daily Balance of $25,000.00 to earn the stated dividend. Money Market Accounts require the stated minimum deposit to open. For example, the Money Market $25,000 requires a $25,000 minimum deposit to open. Rates are subject to change monthly as determined by the Credit Union Board of Directors. A fee of $25.00 will be applied for each occurrence if the minimum daily balance is not maintained in the period. The period is a month. Fees could reduce the earnings of the account. For additional information, please read the Truth in Savings Share Account Disclosure.

¹ APY = Annual Percentage Yield. Fees could reduce the earnings of the account.

⁶ A Share Certificate requires a minimum balance of $2,500.00 to open and earn dividends. Share Certificate rates are subject to change weekly. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date. Amount of Penalty. The amount of the early withdrawal penalty for Share Certificate accounts is 180 days of dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. For additional information, please read the Truth in Savings Share Certificate Disclosure.