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Weather Alert

Based on predicted weather, our Hooksett, Hoosick Falls, Bennington, Manchester, Ludlow and Londonderry branches will be CLOSED all day, Tuesday, December 2. All remaining branches will be closing early at 4pm.

Thank you for your understanding. Please stay safe!

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Loan Rates

Table data for New Auto Loan Rate (Model Year 2024 and Newer)
 Effective 12-02-2025
Account Type 1 APR as low as 2 Term Payment per $1,000 3 Alert Me
Secured - 24 months 5.45% 24 Months $44.07
Secured - 36 months 5.45% 36 Months $30.17
Secured - 48 months 5.45% 48 Months $23.23
Secured - 60 months 5.65% 60 Months $19.17
Secured - 72 months 5.75% 72 Months $16.46
Secured - 84 months 6.50% 84 Months $14.85
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Used Auto Loans (Model Year 2023 - 2020)
 Effective 12-02-2025
Account Type 1 APR as low as 2 Term Payment per $1,000 3 Alert Me
Secured - 24 months 6.70% 24 Months $44.64
Secured - 36 month 6.70% 36 Months $30.74
Secured - 48 months 6.70% 48 Months $23.81
Secured - 60 months 6.70% 60 Months $19.66
Secured - 72 months 6.75% 72 Months $16.93
Secured - 84 months 6.75% 84 Months $14.97
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Used Auto Loans (Model Year 2019 - 2010)
 Effective 12-02-2025
Account Type 1 APR as low as 2 Term Payment per $1,000 3 Alert Me
Secured - 24 months 8.00% 24 Months $45.23
Secured - 36 months 8.00% 36 Months $31.34
Secured - 48 months 8.00% 48 Months $24.41
Secured - 60 months 8.25% 60 Months $20.40
Secured - 72 months 8.50% 72 Months $17.78
Secured - 84 months 8.75% 84 Months $15.96
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Used Auto Loans (Model Year 2009 - 2000)
 Effective 12-02-2025
Account Type 1 APR as low as 2 Term Payment per $1,000 3 Alert Me
Secured - 24 months 8.50% 24 Months $45.46
Secured - 36 months 8.50% 36 Months $31.57
Secured - 48 months 8.50% 48 Months $24.65
Secured - 60 months 8.75% 60 Months $20.64
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Motorcycle, RV, Boat & Other Toy Loans
 
Term 4 APR as low as 2 Payment Per $1,000 3 Alert Me
24 months 6.75% $44.81
36 Months 7.00% $30.99
48 Months 7.25% $24.15
60 Months 7.50% $20.12
72 Months 8.00% $17.61
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Consumer Loan Rates
 Effective 12-02-2025
Account Type 1 APR as low as 2 Term Payment Per $1,000 3 Alert Me
Unsecured Personal Loan 9.99% 60 Months $21.24
Heating Loan 5.75% 12 Months $85.95
Unsecured Energy Efficiency 7.70% 84 Months $15.45
Secured Solar Loan 7.25% 180 Months Call
Certificate Secured Certificate Rate + 3% Adj.
Share Secured Share Rate + 3% Adj.
Overdraft Protection 15.00%
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Line of Credit
 Effective 12-02-2025
Account Type Promotional APR as low as 5 Promotional Term Payment Per $1,000 3 Alert Me
Home Equity Line of Credit 6 5.75% Adj. 24 Months Payment Example: a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Loan
 Effective 12-02-2025
Account Type APR as low as 2 Term Payment Per $1,000 3 Alert Me
Home Equity Loan 6.00% 84 Months Payment Example: 60 monthly payments of $19.33 per $1,000 borrowed at 6.00% APR
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Mortgage Rates are Available

Table data for Visa® Card Rates
 Effective 12-02-2025
Account Type 7 APR 2 Alert Me
Platinum Prime + 4% Adj.
Gold 9.99%
Classic 12.90%
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

View Full Visa Disclosures

Rates

Rates

Disclosures

1 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

2 APR = Annual Percentage Rate.

3 All rates subject to change without notice. Initial $25.00 deposit for membership required. Additional restrictions apply.

4 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

5 APR = Annual Percentage Rate. Promotional APR is subject to credit approval and will terminate at the end of the 24-month promotional period. Non promotional rates are variable and subject to credit qualifications and will be indexed to the Prime Rate published in the Wall Street Journal (7.00% as of 10.29.2025). Rates take effect the first day of the following month, subject to a maximum APR of 18%. Promotional offer subject to change or terminate at the discretion of HFCU. Additional terms and conditions may apply. Call 888.252.8932 or see below for details. Loan payment example for a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.

6 Rates "as low as." Introductory APR is applicable for the first 24 monthly billing cycles. After 24 month promotional period ends, rate automatically adjusts to a variable interest rate, based on the Prime rate as published by the Wall Street Journal. Lowest possible rate is 4.00% Annual Percentage Rate (APR) if the WSJ Prime Rate allows that. Actual promotional rates and variable rates may be higher. All loans subject to approval.

7 All rates subject to change without notice. Initial $25 deposit for membership required. Additional restrictions apply. To read important Visa Credit Card disclosures, visit https://www.hfcuvt.com//content/docs/credit-card-application-and-solicitation-disclosure-9-2024.pdf