Greenland Branch

*Promotional term and rate valid for a limited time only, beginning on 11/18/24. Must be a member of hrcu to open. Minimum deposit to open the 11-month special share certificate is $500, and maximum deposit is $2,000. Maximum of one (1) 11-month special share certificate allowed per primary member. APY (annual percentage yield) is subject to change, however, will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. HRCU reserves the right to adjust or end the offering of this 11-month special share certificate at any time.

*APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR and term is based on evaluation of credit worthiness, ability to repay, and membership qualifications. Standard underwriting guidelines apply. Rate(s) listed include a .50% HRCU Member Loyalty Discount. To qualify for Loyalty Discount, applicant must have an active HRCU checking account with debit card and direct deposit or establish the qualifiers at the time of loan closing. Promotional rate is eligible for vehicle refinances only. Internal refinances are eligible for existing HRCU auto loans opened for a minimum of four (4) months prior to refinance. Additional rates and terms available. Limited time offer. Rate promotion is subject to change without notice. For additional information, contact HRCU at 877-895-6840.

*Promotional Balance Transfer rate available to HRCU Visa Credit Cards opened on or after 11/18/2024. The offer is valid for 60 days from the date of opening. To qualify for balance transfer promotion rate, must have a minimum credit score of 700. The promotional rate will be effective for 18 months. At the end of the 18 months, the rate will be adjusted to cardholders purchase plan rate at that time. Balance transferred is subject to a 3% fee of the total balance or $25.00, whichever is greater. Total balance transfer fee will be applied to the credit card balance. HRCU reserves the right to adjust or terminate this promotion at any time.

**New cardholder bonus uChoose rewards points is available to new HRCU Visa Rewards Credit Cards opened on or after 11/18/2024. The offer is valid for 60 days from the date of opening. To qualify for the 25,000 bonus uChoose rewards points, cardholder must accumulate a minimum of $2,000.00 in qualified purchases during the first 60 days of the credit card being opened. Day 1 is equal to the day the credit card loan is opened. Qualified purchases include point of sale purchases and online purchases. Balance Transfers, Cash Advances, and ATM Advances are not qualifying purchases. Bonus uChoose points will automatically be added to reward point balance within 60 days of the minimum purchase amount being met. HRCU reserves the right to adjust or terminate this promotion at any time.