Heights Calendar
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Monday, September 6
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Labor Day
(Credit Union Closed)
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Monday, October 11
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Columbus Day
(Credit Union Closed)
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Thursday, November 11
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Veterans Day
(Credit Union Closed)
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Click here for more dates...
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Loans & Mortgages
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Rates as low as 3.24% (2.99% with discount*) on New Vehicles AND Used Vehicles (6-years-old or newer)
7-Year Auto Loans Available!
Try Our On-Line Monthly Payment Calculator
We offer a wide range of loans to fit your needs, including our new 7-Year Auto Loans. This loan enables you to purchase more expensive cars and trucks than you might have been able to afford with shorter terms. Want to know approximately what your loan will cost each month? We now have an online monthly payment calculator for most of our loans, too. (There's a button at each of the loan types shown below.) Call our loan officer at 610-868-8211 for details on any of these loans.
*Discount rate reflects .25% off regular rate with automatic transfer from Share or Share Draft Accounts.
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Click on the loan type to see details and rates:
| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1 Year |
2.990%* |
3.240% |
| 2 Years |
2.990%* |
3.240% |
| 3 Years |
2.990%* |
3.240% |
| 4 Years |
3.990%* |
4.240% |
| 5 Years |
3.990%* |
4.240% |
| 6 Years |
4.990%* |
5.240% |
| 7 Years |
5.990%* |
6.240% |
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(100% Financing + Warranty) *Discount rate reflects .25% off regular rate with automatic transfer from Share or Share Draft Accounts.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1 Year |
2.990%* |
3.240% |
| 2 Years |
2.990%* |
3.240% |
| 3 Years |
2.990%* |
3.240% |
| 4 Years |
3.990%* |
4.240% |
| 5 Years |
3.990%* |
4.240% |
| 6 Years |
4.990%* |
5.240% |
| 7 Years |
5.990%* |
6.240% |
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100% Financing of NADA retail value for vehicles 1 & 2 years old; 80% Financing of NADA retail value for vehicles 3-6 years old. Used vehicles more than 6 years old will be financed using our Personal Loan Rates and holding the title as collateral. *Rate with Discount reflects .25% off regular rate with automatic transfer from Share or Share Draft Accounts.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1 Year |
7.000%* |
7.250% |
| 2 Years |
8.000%* |
8.250% |
| 3 Years |
9.000%* |
9.250% |
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($500.00 Minimum, $5,000.00 Maximum) *Rate with discount reflects .25% off regular rate with automatic transfer from Share or Share Draft Accounts.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 15 Years |
N/A | 6.500% |
| 20 Years |
N/A | 6.500% |
| 30 Years |
N/A | 6.500% |
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Your interest rate and monthly payments are fixed for five years. The payments are based on an amortization of up to 30 years. In other words, for five years, the loan acts like a fixed-rate mortgage. At the end of five years, you must refinance by either paying off the loan or refinancing the outstanding balance at the rates and terms available at that time. If you refinance with the Heights Community FCU there will be minimal paperwork and no costs. No points and no application fees. We'll finance up to 80% of appraised value. $200 appraisal fee. Title insurance required on home purchases, but not on refinancing. Click here for more information on HSJFCU First Mortgages.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| COMING SOON--Details to follow. |
N/A | N/A |
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While not currently available, we'll be announcing the HELOC program shortly.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1-5 Years |
5.630%* |
5.880% |
| 6-10 Years |
6.170%* |
6.420% |
| 11-15 Years |
6.580%* |
6.830% |
| 16-20 Years |
7.000%* |
7.250% |
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Loans up to 80% of the Appraised Value performed by a licensed appraiser. Requires no additional funds to be financed with the existing balance to get the lower rate. *Rate with Discount reflects .25% off regular rate with automatic transfer from Share or Share Draft account.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1-5 Years |
N/A | 12.250% |
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(Maximum Loan Amount: $5,000.00; $100.00 min. request and $25.00 min. payment) *Rate with Discount reflects .25% off regular rate with automatic transfer from Share or Share Draft account.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1-4 Years |
N/A | 5.000% |
| 5-10 Years |
N/A | 5.500% |
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| SPECIAL! 18 months ($2,000 Max.) |
9.990%* |
10.240% |
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(Maximum Loan: $2,000.00) *Rate with discount reflects .25% off regular rate with automatic transfer of payment from Share or Share Draft Account.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
| 1-3 Years |
10.130%* |
10.380% |
| 4-5 Years |
12.750%* |
13.000% |
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(Maximum Loan: $5,000.00) *Rate with discount reflects .25% off regular rate with automatic transfer of payment from Share or Share Draft Account.
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| Loan Term |
Loan Rate (APR) w/Discount* |
Loan Rate (APR) |
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N/A | 11.900% |
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$5,000 maximum credit limit.
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