Loan Rates

Loan Type APR* as low as
New Vehicle 5.00%
Used Vehicle 6.00%
Motorcycle (New) 5.25%
RVs and Boats (New) 6.75%
RV's and Boats (used) 8.25%
Personal Loans 9.75%
Credit Cards 8.95%
Home Equity Loans - First Lien  
up to 5 years 6.50%
up to 10 years 6.75%
up to 15 years 7.00%
Home Equity Loans - Junior Lien  
up to 5 years 6.75%
up to 10 years 7.00%
up to 15 years 7.25%
Home Improvement Loans 7.50%


Deposit Rates

Account Type Minimum Balance APY**
Savings $500 0.05%
Youth Account - 0.10%
Club Account $100 0.10%
Money Market    
Tier 1 $500 0.05%
Tier 2 $2,500 2.75%
Tier 3 $50,000 3.00%
Tier 4 $150,000 3.25%
Certificates of Deposit    
6 Month $500 4.00%
12 Month $500 4.35%
24 Month $500 4.35%
36 Month $500 4.10%
48 Month $500 4.00%
60 Month $500 4.00%


APY** = Annual Percentage Yield

Subject to change any time without notice. Dividends are compounded and paid monthly on the last day of each month. Penalties may apply for early withdrawal of certificates of deposit. Fees may apply on Money Market accounts if monthly withdrawal limit is exceeded.

*APR=Annual Percentage Rate

All loan types, rates, terms and offers are based on applicant's credit history and are decisioned based on creditworthiness and other criteria. Other rates and terms available. Certain restrictions may apply. Disclosed consumer rates are for top tier credit (740+ score) for shortest available term and include a 0.25% APR discount for having a checking account with direct deposit and automatic payment set up for the loan. Disclosed home loan rates are for top tier credit and do not include a rate discount. Applicants who are not approved at the current rates and/or terms may be offered credit at a higher rate and/or different terms. Members must credit qualify. Offers and terms listed above may change at any time without notice. Parks Heritage FCU reserves the right to change or withdraw these offers or certain features thereof without prior notification.

 Membership is open to those who work in the health care and health care related fields in Warren, Washington, and Saratoga counties, as well as their immediate family members. A $5 deposit into a Shared Savings Account is required for membership.