Loan Rates

New Rates Effective 03/18/2025

APR refers to annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Rate Term Annual Percentage Rate
1 – 48 Months 4.75 – 10.25%
49 – 60 Months 5.0 – 10.75%
61 – 72 Months 5.25 – 11.50%

Rate Term Annual Percentage Rate
1 – 48 Months 5.75 – 11.25%
49 – 60 Months 6.0 – 11.75%

Rate Term Annual Percentage Rate
1 – 36 Months 7.25- 11.75%
37 – 48 Months 7.75 – 12.25%

Rate Term Annual Percentage Rate
1 – 60 Months 8.0 – 12.50%

1% Over Vehicle Rates

Rate Term Annual Percentage Rate
60 Months w/ Balloon 5.25 – 9.75%

Rate Term Annual Percentage Rate
40% Debt Ratio – $2,500 – 24 Months 9.25 – 15.25%
30% Debt Ratio – $4,000 – 36 Months 9.25 – 15.25%
20% Debt Ratio – $5,000 – 36 Months 9.25 – 15.25%

Rate Term Annual Percentage Rate
30 Months 9.25 – 15.00%

Same as Vehicle Rates

Rate Term Annual Percentage Rate
$1,000 Maximum for 12 Month 8.75 – 14.75%

Rate Term Annual Percentage Rate
$50,000 Maximum – 60 Months w/Balloon +60 Months 5.50 – 9.50%

Rate Term Annual Percentage Rate
5 Years or Newer –  60 Months w/Balloon +60 Months 8.50%
6 Years or Older –  60 Months w/Balloon +60 Months 10.50%

Annual Percentage Rate
18%

Annual Percentage Rate
3% Over Current Div. Rate

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Certificates

New Rates Effective 04/01/2024

Deposits Term APR APY
$1,000 – $4,999 6 Months 2.00% 2.00%
$1,000 – $4,999 12 Months 2.10% 2.10%
$5,000 Plus 6 Months 2.05% 2.05%
$5,000 Plus  12 Months 2.15% 2.15%
$10,000 Plus 24 Months 2.35% 2.35%

NOTE: Early withdrawal from certificates will be subject to a 30-60 day dividend penalty. Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Rates

New Rates Effective 04/01/2024

Annual Percentage Rate
1.10%

All rates and terms are subject to change. Contact us for the most current information.

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

CONTACT US

Phone: (308) 487-5578
Fax: (308) 487-5577

Hemingford Community FCU
801 Box Butte Avenue
P.O. Box 991
Hemingford, NE 69348

Email: info@hemingfordcreditunion.com

Branch Hours
Mon – Fri: 9:00 a.m. – 5:00 p.m

Lost or Stolen Debit Cards
Call: (800) 325-3678

Get in touch with us today if you have any questions about Hemingford Community Federal Credit Union.