Tasas de interés y cuotas

Checking and Savings Rates
Checking and Saving Rates (PDF)
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Checking Accounts Saldo mínimo Dividend Rate Porcentaje de rendimiento anual (APY)
Cheques PLUS None 0.50% 0.50%
Cheques None 0.05% 0.05%
La cuenta de ahorros médicos (HSA) None 1.15% 1.16%
Savings Accounts Saldo mínimo Dividend Rate Porcentaje de rendimiento anual (APY)
Main Share Savings $5.00 0.05% 0.05%
Daily Savings $0.01 0.05% 0.05%
You Name It Savings $0.01 0.05% 0.05%
Holiday Club Savings None 0.05% 0.05%
High Yield Money Market Savings $1,000 1.25% 1.26%
Premium Money Market Savings $75,000 1.50% 1.51%
Ultimate Money Market Savings $150,000 1.75% 1.77%
Individual Retirements Accounts (IRA) Saldo mínimo Tasa de dividendo futuro Porcentaje de rendimiento anual (APY)
Traditional IRA $100 2.00% 2.02%
SEP IRA $100 2.00% 2.02%
Roth IRA $100 2.00% 2.02%
Certificate Accounts (Term Share) Saldo mínimo Dividend Rate Porcentaje de rendimiento anual (APY)
6 Month Certificate Account $1,000 3.25% 3.30%
6 Month Certificate Account (Mini-Jumbo) $50,000 3.30% 3.35%
12 Month Certificate Account $1,000 3.75% 3.82%
Cuenta de certificado IRA Mini-Jumbo de 12 meses $50,000 3.80% 3.87%
12 Mo. Certificate (Jumbo) $99,000 Min. Balance $99,000 3.85% 3.92%
24 Month Certificate Account $1,000 3.55% 3.61%
24 Month Certificate Account (Mini-Jumbo) $50,000 3.60% 3.67%
24 Month Certificate Account (Jumbo) $99,000 3.65% 3.72%
36 Month Certificate Account $1,000 3.40% 3.46%
36 Month Certificate (Mini-Jumbo) $50,000 3.45% 3.51%
36 Month Certificate (Jumbo) $99,000 3.50% 3.56%
Youth Certificate Accounts (Term Share) Saldo mínimo Dividend Rate Porcentaje de rendimiento anual (APY)
6 Month Youth Certificate Account $100 2.00% 2.02%
12 Month Youth Certificate Account $100 2.50% 2.53%
24 Month Youth Certificate Account $100 2.30% 2.33%
36 Month Youth Certificate Account $100 2.15% 2.17%
IRA Certificate Accounts (Term Share) Saldo mínimo Dividend Rate Porcentaje de rendimiento anual (APY)
Cuenta de certificado IRA de 12 meses $1,000 3.75% 3.82%
Cuenta de certificado IRA Mini-Jumbo de 12 meses $50,000 3.80% 3.87%
Cuenta de certificado IRA Jumbo de 24 meses $99,000 3.85% 3.92%
Cuenta de certificado IRA de 24 meses $1,000 3.55% 3.61%
Cuenta de certificado IRA Mini-Jumbo de 24 meses $50,000 3.60% 3.67%
Cuenta de certificado IRA Jumbo de 24 meses $99,000 3.65% 3.72%
Cuenta de certificado IRA de 36 meses $1,000 3.40% 3.46%
Cuenta de certificado IRA Mini-Jumbo de 36 meses $50,000 3.45% 3.51%
Cuenta de certificado IRA Jumbo de 36 meses $99,000 3.50% 3.56%
La fecha valor 04-01-2023

Checking and Certificate Accounts are compounded daily and credited monthly. Savings and IRA dividends are compound daily and credited quarterly. Minimum Balance required to open an account and earn the posted APY. There may be a government penalty for early withdrawal of IRA funds. There is a substantial penalty for early (premature) withdrawal of Certificate Accounts, Youth Certificate Accounts, and IRA Certificate Accounts (Term Share) funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time.

Loan and Credit Card Rates
Loan and Credit Card Rates (PDF)
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Car & Truck (New & Used) Tipo de tasa Porcentaje de rendimiento anual (APR)
Up to 72 Months Adjustable 8.70%
Up to 72 Months Fixed 9.45%
84 Months Adjustable 9.70%
84 Months Fixed 10.45%
Motorcycle & ATV Loans (New & Used) Tipo de tasa Porcentaje de rendimiento anual (APR)
Up to 72 Months Adjustable 9.45%
Up to 72 Months Fixed 10.20%
84 Months Adjustable 10.45%
84 Months Fixed 11.20%
Recreational Vehicles, Special Collateral Loans (New & Used) Tipo de tasa Porcentaje de rendimiento anual (APR)
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc. Adjustable 10.95%
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc. Fixed 11.70%
Unsecured Loans Tipo de tasa Porcentaje de rendimiento anual (APR)
Line of Credit Adjustable 15.95%
Signature Loan Fixed 15.95%
Visa® Credit Card Tipo de tasa Porcentaje de rendimiento anual (APR)
Visa Platinum Credit Card Adjustable 9.50% - 12.50%
Savings Pledge Loan Tipo de tasa Porcentaje de rendimiento anual (APR)
Main Share Savings Pledge Loan Adjustable 2.55%
High Yield Money Market Savings Pledge Loan Adjustable 4.50%
Premium Money Market Savings Pledge Loan Adjustable 4.75%
Ultimate Money Market Savings Pledge Loan Adjustable 5.00%
Certificate Account Pledge Loan Fixed Call for current rates
Credit Builder Loans Tipo de tasa Porcentaje de rendimiento anual (APR)
Credit Builder Vehicle Fixed 13.25%
Credit Builder Signature Fixed 17.50%
Credit Builder Line of Credit Adjustable 17.50%
Student Loans Tipo de tasa Porcentaje de rendimiento anual (APR)
Offered through SallieMae.com/SmartOption/HughesFCU
La fecha valor 04-01-2023
APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect
when the loan is completed. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.
Real Estate Loan Rates
Real Estate Loan Rates (PDF)
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Mortgage Loans Tipo de tasa Porcentaje de rendimiento anual (APR)
30-Year Conventional Loan (Purchase) Fixed 6.990
15-Year Conventional Loan (Purchase) Fixed 6.490
VA Loan (Purchase) Fixed 6.750
FHA Loan (Purchase) Fixed 6.250
ARM (Purchase) Adjustable Call for current rates
Home Equity Line of Credit (HELOC) Tipo de tasa Porcentaje de rendimiento anual (APR)
Home Equity Line of Credit (<80% Loan-to-Value) Adjustable 9.50%
Home Equity Line of Credit (>80% Loan-to-Value) Adjustable 10.50%
Credit Builder Home Equity Line of Credit Adjustable 15.00%
Line of Credit Tipo de tasa Porcentaje de rendimiento anual (APR)
Rental Property Line of Credit Adjustable 11.50%
Vacation Property Line of Credit Adjustable 11.50%
Land Line of Credit Adjustable 11.50%
Tipo de tasa Porcentaje de rendimiento anual (APR)
La fecha valor 04-01-2023

APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed.

All Mortgage loans include 1% origination and are based on an 80% LTV of purchase price. Certain restrictions apply. Rates subject to change and are not guaranteed until locked. Ask to speak to a Mortgage Representative for further information.

Home Equity Line of Credit (HELOC) Rates: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October (“the Index”) plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%.

Rental Property, Vacation Property and Land Line of Credit Rates: The rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate “cap” or 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.

NOTE: Property financed must be in Arizona. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.

Product and Service Fees
Product and Service Fees (PDF)
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La fecha valor 04-01-2023