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SERVICES

Here's what the Hill District Federal Credit Union can do for you!

- SHARE (SAVINGS) DEPOSITS

- SHARE DRAFT (CHECKING) ACCOUNTS

- DIRECT DEPOSITS (PAYROLLS, GOVERNMENT PAYMENTS)

- ONLINE BANKING

- ONLINE BILLPAY

- CHRISTMAS CLUB

- PAYROLL DEDUCTION

- CONSUMER LOANS

- VEHICLE LOANS

- EDUCATIONAL LOANS

- HOME IMPROVEMENT LOANS

- MONEY ORDERS

- DEBIT CARDS

- GIFT CARDS

Adult and youth financial literacy classes are ongoing. Please contact the HDCFU for a schedule

of upcoming classes or to inquire about bringing this series into your organization.

RATES

Effective January 1st, 2021

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JOINING FEE ................................................................ $1.00

CREDIT REPORT FEE ..................................................... $20.00

MONEY ORDER FEE .................................................... $1.00

THIRD PARTY RETURNED CHECK FEE ........................ $35.00

CLOSING ACCOUNT WITHIN 30 DAYS FEE ............. $5.00

EXCESSIVE WITHDRAWAL FEE (over 3 per week) ..... $1.00

CHRISTMAS CLUB EARLY CLOSING FEE ..................... $50.00

ACH RETURN FEE ..........................................................  $35.00

LOAN APPLICATION FEE ............................................... $35.00

SHARED SECURED/CREDIT BUILDER FEE ................... $15.00

SAME DAY ACH TRANSFER ......................................... $5.00

LATE ACH RETURN .......................................................... $10.00

NON-SUFFICIENT FUNDS FEE ...................................... $35.00

SHARE DRAFT CHECKS FEE ........................................... at cost

DRAFT STOP PAYMENT FEE ........................................... $25.00

DRAFT COPY FEE ........................................................... $5.00

INTERN STATEMENT FEE .... 1-2 MONTHS ................ $5.00

                                      3 OR MORE MONTHS ............... $10.00

OUTGOING WIRE FEE .................................................... $25.00

INCOMING WIRE FEE ..................................................... $15.00

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HILL DISTRICT FEDERAL CREDIT UNION PERSONAL LOAN RATES

EFFECTIVE DECEMBER 1, 2012 - CREDIT RISK SCORE

550-600 ......................................... 16% APR
601-625 ....................................... 14% APR
626-650 ....................................... 10% APR
651+ ............................................ 8% APR

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HILL DISTRICT FEDERAL CREDIT UNION CAR LOAN RATES            SCORE 650+
NEW CAR LOAN (5YRS.) ........................................ 6.5% APR                          4.5%
NEW CAR LOAN (6 YRS.) ....................................... 7.5% APR                          5.5%
USED CAR LOAN ................................................... 8% APR                              6.0%

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APPLICANTS WITH 650+ CREDIT SCORE PROPOSED RATES
NEW CAR LOAN (5YRS.) ........................................ 4.5% APR
NEW CAR LOAN (6 YRS.) ....................................... 5.5% APR
USED CAR LOAN ................................................... 6% APR
SHARED SECURED LOANS ................................... 6% APR

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