Loans

The Hardin Community Federal Credit Union does not and will not collect children's personal information. .

Secured Loans

Classified as Automobiles, Boats, Motorcycles, RV's (Travel Trailers, and Motor Homes) and Share Secured Loans.

Terms vary from 24 Months to 144 Months, depending on year of collateral and amount of loan.

We have GAP Insurance available as low as $200.00 This coverage pays off your vehicle loan in the event you total your vehicle or it is stolen, the GAP Ins. pays off the balance of the loan after your insurance company settles with the Credit Union, minus delinquent payments, late charges, or insurance related charges such as credit life. You may purchase at the time of signing your loan agreement.

We now offer Extended Warranty at a fraction of the cost at your vehicle dealership. Call and ask for details. You may purchase this on any qualified vehicle whether you financed with us or not.

We offer payment protection on all loans with the exception of our Mortgages. This protects you if you are off work for 30 days or longer, your payment is made, it also will pay the loan off, in the unfortunate event you pass away.

NEW! You don't even have to be a member yet.

Closed End Signature Loans

May be used to purchase ATV's, Garden Tractors, and Jet Skis, or anything that does not have a title. Funds may be used for, Home Improvement, Vacation, Christmas, back to school shopping, or anytime you find yourself short on cash.

This is an unsecured loan and the interest rate ranges from 7.99% to 18.00% depending upon your credit score.

Visa Credit Cards

We offer this credit card with credit lines ranging from $500.00 to $10,000.00

This interest rate is 12.5%

Home Equity Lines of Credit

We will loan funds on the equity of your home for whatever purpose you choose. We will loan up to 80% of the appraised value of your home.

This may be a 1st or 2nd Mortgage. This is a revolving line of credit and you may draw against it for up to 10 years from the date opened.

It can be accessed via the internet or you may choose to receive funds in check form. The maximum loan term is 25 years.

Mortgages

During the past couple of years we at HCFCU have worked hard to offer the products our members have been asking for.

Newly added to our variety of home loans is the Home Start Program.

This loan is used to construct a new home, the home must be started and completed within a 12 month period, during that time the member pays monthly only the interest due on the loan, at the end of the draw period the loan converts to either a 3/1 Adjustable Rate Mortgage or a 5/1 Adjustable Rate Mortgage, whichever you as a member choose. The maximum term on this product is 30 years.

We offer fixed rate mortgages for a maximum term of 15 years.

We offer two Adjustable Rate Mortgage products:

3/1 ARM: Fixed for a period of 36 months, becoming adjustable thereafter.
5/1 ARM: Fixed for a period of 60 months, becoming adjustable thereafter.

Both programs offer 15 year, 20 year or 30 year terms.

We also offer an Investment Property Mortgage. This is a fixed rate loan for a maximum term of 15 years and we will loan up to 70% of the appraised value.

Main:	(419) 674-4998
Branch:	(419) 675-2322