• Auto Loans

    Rates effective April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014

    Account Type APR Max. APR Term Model Year Amount
    New Auto As Low As 1.60% 18.00% 60 Months 2014 or Newer Up to 100% financing of Purchase Price
    New Auto As Low As 2.30% 18.00% 72 Months ($25K+) 2014 or Newer Up to 100% financing of Purchase Price
    New Auto As Low As 3.55% 18.00% 84 Months ($35K+) 2014 or Newer Up to 100% financing of Purchase Price
    Used Same as New As Low As 1.60% 18.00% 60 Months 2010 - 2014 Up to 100% financing of NADA Retail
    Used Same as New As Low As 2.30% 18.00% 72 Months ($25K+) 2010 - 2014 Up to 100% financing of NADA Retail
    Used Same as New As Low As 3.55% 18.00% 84 Months ($35K+) 2010 - 2014 Up to 100% financing of NADA Retail
    Used Auto As Low As 2.00% 18.00% 60 Months 2007 to 2009 Up to 100% financing of NADA Retail
    Used Auto As Low As 2.90% 18.00% 60 Months 2007 to 2009 Up to 100% financing of NADA Retail
    Used Auto As Low As 3.90% 18.00% 84 Months ($35K+) 2007 to 2009 Up to 100% financing of NADA Retail
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *APR = Annual Percentage Rate. **Preferred rates apply to "new money" loans when the borrower agrees to maintain during the term of the loan either: (1) A Share Draft or Share Account funded by direct deposit of net check (pay, Social Security, retirement, and other recurring payments); OR (2) a minimum of $2,500 in unencumbered shares in the Credit Union. (Rate reduction of .50%)

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Boat and RV Loans

    Rates effective April 01, 2014April 01, 2014April 01, 2014

    Account Type APR Max. APR Term Amount
    New/Used RV's As Low As 8.00% 18.00% Up to 72 months Up to 100% financing of Purchase Price
    New / Used Boats As Low As 5.00% 18.00% Up to 72 months (up to $25K) Up to 100% financing of Purchase Price
    New / Used Boats As Low As 6.00% 18.00% Over 72 months (over $25K) Up to 100% financing of Purchase Price
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *APR=Annual Percentage Rate. **Preferred rates apply to "new money" loans when the borrower agrees to maintain during the term of the loan either: (1) A Share Draft or Share Account funded by direct deposit of net check (pay, Social Security, retirement, and other recurring payments). Or (2) a minimum of $2,500 in unencumbered shares in the Credit Union.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Certificate-Secured Loans

    Rates effective April 01, 2014

    Account Type APR Term Amount
    Certificate-Secured Loan Rate charged will be 3.00% above dividend rate paid. Minimum 5.00% Term of Loan not to exceed the earliest maturity date of Certificate(s) Value of Certificate(s) pledged
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *Term not to exceed the earliest maturity date of certificate.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Credit Cards (Fixed Rates)

    Rates effective April 01, 2014April 01, 2014April 01, 2014

    Account Type Fixed APR Amount Comments
    Visa Gold 11.90% $20,000 maximum
    Visa Secured 7.90% $10,000 maximum
    Visa Classic 14.90% $5,000 maximum
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Minimum monthly payment: 2.5% of your total new balance or $10 whichever is greater. (No interest on purchase balances paid within 25 days of the statement closing dates. Example: statement closing date 1/31, to avoid interest pay balance in full by 2/25.) See agreement for details.

    * We reserve the right to increase the interest rate on any VISA account to an 18% APR, on any account which reflects a delinquency of 60 days or more within any time period. **Visa introductory rates on purchases only for first 12 billing cycles.

    Visa Disclosure

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Home Equity

    Rates effective April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014

    Account Type APR Term Amount Comments
    Fixed-Rate Loan 85% LTV 4.50%*** 5 Years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Fixed-Rate Loan 85% LTV 5.00%*** 7 years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Fixed-Rate Loan 85% LTV 5.50%*** 10 Years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Fixed-Rate Loan 85% LTV 6.50%*** 15 Years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Fixed-Rate Loan 80% LTV 4.50%*** 10 Years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Fixed-Rate Loan 80% LTV 5.00%*** 15 Years $250,000 maximum Fixed Monthy Payment of Principal and Interest
    Line of Credit 85% LTV 3.25%*** N/A $250,000 maximum Minimum monthly payment: 1.50% of outstanding balance. Draw period of 10 years and 15 year repayment term.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    **1) Variable rate of Wall Street Prime 3.25%*** as printed in the Wall Street Journal on the last business day of the previous quarter. No Application Fee 2)No Closing Costs on Home Equity Loans and Home Equity Lines of Credit. If loan is paid off within 36 months the member will be required to reimburse HEWFCU for closing costs paid on the member's behalf. HEWFCU will pay the Appraisal Cost, upon closing. Member is responsible for depositing funds for appraisal fee and will have funds released to them when the loan closes. If a loan does not close, funds deposited will be used to reimburse HEWFCU for the cost of the appraisal. Other fees may also have to be paid if the loan does not close.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Line of Credit

    Rates effective April 01, 2014

    Account Type APR Amount
    Line of Credit 9.25% Variable* $22,500 maximum
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *The ANNUAL PERCENTAGE RATE (APR) will change on the 1st day of each quarter (January, April, July, and October) based on the interest rate Index. The Index is the Prime Rate published in the Wall Street Journal on the last day of each quarter plus a margin of 6%. The APR will never be more than 18.00% or the maximum rate allowed by NCUA, whichever is less. Any increase in the annual percentage rate as a result of an increase in the Index will result in higher payments.Your monthly payment for a variable rate line of credit balances will be 2% of the outstanding balances, however, your minimum payments will never be less than $10.00.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Mortgage Loans

    Rates effective April 01, 2014

    Account Type Term Comments
    Mortgages Fixed & Variable Rate & FHA We partner with CUMA (Credit Union Mortgage Association), click here for rates or contact the HEWFCU Mortgage Department at 202-488-5400 x1863, or 1-800-742-5582 x1863.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share Draft Overdraft

    Rates effective April 01, 2014

    Account Type APR Amount Comments
    Share Draft Overdraft 17.50% Up to $2,500 Monthly payment will be $15 for each $500 or fraction of $500 of your loan balance.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share-Secured Loans

    Rates effective April 01, 2014April 01, 2014

    Account Type APR Term Amount
    Share-Secured Loan Rate charged will be 3.00% above dividend rate paid, rounded up to next full percentage rate. Minimum 5.00% 72 months (consumer purposes) Value of shares pledged
    Share-Secured Loan Rate charged will be 3.00% above dividend rate paid. Minimum 5.00% 144 months (non-consumer purposes) Value of shares pledged
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Signature/Personal/ Lifestyle/Holiday/Black Friday Loans

    Rates effective April 01, 2014

    Account Type APR Max. APR Term Amount
    Signature Loan As Low As 6.00%* 18.00% Up to 72 months $22,500 Maximum
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *APR = Annual Percentage Rate. **Preferred rates apply to "new money" loans when the borrower agrees to maintain during the term of the loan either: (1) A Share Draft or Share Account funded by direct deposit of net check (pay, Social Security, retirement, and other recurring payments); OR (2) a minimum of $2,500 in unencumbered shares in the Credit Union. (Rate reduction of .50%)

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share Account

    Rates effective April 01, 2014April 01, 2014

    Account Type APR APY Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Regular Share 0.00% 0.00% $5.00 None $5.00 Balances of less than $100.00
    Regular Share 0.05% 0.05% $5.00 None $5.00 Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Primary Membership Account Required to Join. The dividend rate is equal to the annual percentage rate for all savings accounts. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. 

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share Draft Savings

    Rates effective April 01, 2014

    Account Type APR APY Min. Deposit Min. Balance Comments
    Share Draft Checking 0.00% 0.00% None None All Balances
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *First 50 checks are free. No monthly fees.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Money Management

    Rates effective April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014

    Account Type APR APY Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Money Management 0.00% 0.00% None None None Balances of less than $1,000.00
    Money Management 0.20% 0.20% None None $1,000.00 Balances of $1,000.00 to $10,000.00
    Money Management 0.30% 0.30% None None $$10,000.01 Balances of $10,000.01 to $25,000.00
    Money Management 0.35% 0.35% None None $25,000.01 Balances of $25,000.01 to $50,000.00
    Money Management 0.40% 0.40% None None $50,000.01 Balances of $50,000.01 to $100,000.00
    Money Management 0.45% 0.45% None None $100,000.00 Balances over $100,000.00
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Holiday Share

    Rates effective April 01, 2014April 01, 2014

    Account Type APR APY Comments
    Holiday Share 0.00% 0.00% Balances of less than $100.00
    Holiday Share 0.05% 0.05% Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    No minimum deposit, minimum balance, or minimum additional deposits. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. 

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Individual Retirement Accounts

    Rates effective April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014February 01, 2014February 01, 2014

    Account Type APR APY Term Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Traditional / Roth IRA / Coverdell Education Savings Variable Rate Share 0.50% 0.50% N/A None None None Balances of less than $3,500.00
    Traditional / Roth IRA / Coverdell Education Savings Variable Rate Share 0.75% 0.75% N/A None None None Balances of $3,500.00 and over
    Traditional / Roth IRA Certificate 1.00% 1.00% 12 months $500.00 $25.00 $500.00 -
    Traditional / Roth IRA Certificate 1.50% 1.51% 36 months $2,000.00 $25.00 $2,000.00 -
    Traditional / Roth IRA Certificate 2.00% 2.02% 60 months $2,500.00 $25.00 $2,500.00 -
    Coverdell Education Savings Certificate 1.00% 1.00% 12 months $500.00 $25.00 $500.00 -
    Coverdell Education Savings Certificate 1.50% 1.51% 36 months $500.00 $25.00 $500.00 -
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    APY = Annual Percentage Yield. Fees may reduce earnings on the account. Variable rates are subject to change after the account is opened. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Silver Share Certificates

    Rates effective April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014April 01, 2014

    Account Type APR APY Min. Balance
    6 Month Certificate 0.40% 0.40% $500.00
    9 Month Certificate 0.60% 0.60% $100.00
    12 Month Certificate 0.75% 0.75% $1,000.00
    24 Month Certificate 1.00% 1.00% $1,000.00
    36 Month Certificate 1.25% 1.26% $2,000.00
    60 Months Certificate 1.75% 1.76% $2,000.00
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Substantial penalties apply for early withdrawal of Certificate funds. 36- and 48-Month Silver Share Certificates are non-renewable with the balance transferred to your Main Share upon maturity, unless we are instructed otherwise. Additional deposits to 9 Month Certificate can be made through direct deposit only. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Youth and Young Adult Generation APY Certificate

    Rates effective April 01, 2014April 01, 2014April 01, 2014

    Account Type Fixed APR APY Min. Deposit Min. Addtl. Deposit Min. Balance
    6 Month Certificate 2.00% 2.02% $100 $25 Certificate Balances of $100 - $499.99
    6 Month Certificate 2.10% 2.12% $100 $25 Certificate Balances of $500 - $999.99
    6 Month Certificate 2.20% 2.22% $100 $25 Certificate Balances of $1,000 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    HEWEY/Generation APY Certificates are available to any member under age 18. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Youth and Young Adult Shares

    Rates effective April 01, 2014April 01, 2014

    Account Type APR APY Comments
    HEWEY Shares 0.30% 0.30% Balances of less than $100.00
    HEWEY Shares 0.40% 0.40% Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Available to eligible children from birth to 12 years old. A regular Share Account must be opened and maintained along with this sub-share. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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