Rates & Fees
Heart Rates.
- Auto Loans
- Home Loans
- Mobile Home Loans
- BTRV Loans
- Lawn & Garden
- Savings
- Personal Loans & Credit Cards
- Service Fees
New Vehicle Loans
| Length of Term | Maximum Loan Amount | APR |
|---|---|---|
| 36 Months | Less than $15,000.00 | 4.50% |
| 48 Months | $15,000.00-$19,999.99 | 4.75% |
| 60 Months | $20,000.00-$29,999.99 | 5.00% |
| 72 Months | $30,000.00-$39,999.99 | 5.50% |
| 84 Months | $40,000.00-Greater | 6.75% |
Used/Program Vehicle Loans
| Length of Term | Maximum Loan Amount | APR |
|---|---|---|
| 36 Months | Less than/equal to 100% | 5.25% |
| 48 Months | Less than/equal to 100% | 5.50% |
| 60 Months | Less than/equal to 100% | 5.75% |
| 72 Months | Less than/equal to 100% | 6.50% |
| 84 Months | Less than/equal to 100% | 7.25% |
1. Maximum loan amount is 100% of NADA “Clean Retail” for used vehicles. Maximum loan term based on “Clean Retail” for used vehicles.
2. Existing loans must have originated within the last 12 months. The maximum mileage is 25,000. The maximum term is 72 months.
3. APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates are subject to change without notice. Rates are current as of 12/19/2022.
Home Loans
For Home Loan rates, please contact us at 800-264-4562.
APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed.
New Mobile Home Loan
| Length of Term | Maximum Loan Amount | APR | |
|---|---|---|---|
| 60 Months | less than $20,000.00 | 7.00% | |
| 120 Months | less than $20,000.00 | 7.50% | |
| 180 Months | $20,000.00-$29,999.99 | 8.00% | |
| 240 Months | $30,000.00- Greater | 8.50% |
Used Mobile Home Loan
| Length of Term | Maximum Loan Amounts | APR | |
|---|---|---|---|
| 60 Months | less than $10,000.00 | 7.25% | |
| 120 Months | $10,000.00-$19,999.99 | 7.75% | |
| 180 Months | $20,000.00- Greater | 8.25% |
APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates are current as of 12/19/2022.
New Boat/RV Loans
| Number Of Months | Loan Amounts | APR |
|---|---|---|
| 36 Months | less than $10,000 | 6.00% |
| 48 Months | $10,000.00-$19,999.99 | 6.50% |
| 60 Months | $20,000.00-$29,999.99 | 6.75% |
| 72 Months | $30,000.00-$39,999.99 | 7.75% |
| 96 Months | $30,000.00-$39,999.99 | 8.25% |
| 120 Months | $40,000.00-$49,999.99 | 8.75% |
| 144 Months | $40,000.00-$49,999.99 | 9.00% |
| 180 Months | $50,000.00 and Greater | 9.50% |
Used Boat/RV Loans
| Length of Term | Maximum Loan Amount | APR |
|---|---|---|
| 36 Months | less than $10,000 | 7.00% |
| 48 Months | $10,000.00-$19,999.99 | 7.50% |
| 60 Months | $20,000.00-$29,999.99 | 7.75% |
| 72 Months | $30,000.00-$39,999.99 | 9.00% |
| 96 Months | $30,000.00-$39,999.99 | 10.00% |
| 120 Months | $40,000.00-$49,999.99 | 10.50% |
| 144 Months | $40,000.00-$49,999.99 | 10.75% |
| 180 Months | $50,000.00 and Greater | 11.25% |
1. Maximum loan amount is 100% MSRP on new boats/RVs and NADA “Average Retail” for used boats/RVs. Maximum loan term based on “Average Retail” for boats/RVs.
2. APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates are subject to change without notice. Rates are current as of 12/19/2022.
New Lawn & Garden Equipment Loans
| Number Of Months | Loan Amounts | APR |
|---|---|---|
| 36 Months | less than $10,000 | 7.00% |
| 48 Months | $10,000.00-$19,999.99 | 8.00% |
| 60 Months | $20,000.00-$29,999.99 | 8.25% |
| 72 Months | $30,000.00-$39,999.99 | 9.25% |
| 96 Months | $40,000.00-$49,999.99 | 10.25% |
| 120 Months | $50,000.00-Greater | 11.25% |
Used Lawn & Garden Equipment Loans
| Number Of Months | Loan Amounts | APR |
|---|---|---|
| 36 Months | less than $10,000 | 8.00% |
| 48 Months | $10,000.00-$19,999.99 | 9.00% |
| 60 Months | $20,000.00-$29,999.99 | 9.25% |
| 72 Months | $30,000.00-$39,999.99 | 10.25% |
| 96 Months | $40,000.00-$49,999.99 | 11.00% |
| 120 Months | $50,000.00-Greater | 12.00% |
1. Maximum loan amount is 100% MSRP on new lawn and garden equipment and NADA “Average Retail” for used lawn and garden equipment. Maximum loan term based on “Average Retail” for lawn and garden equipment.
2. APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates are subject to change without notice. Rates are current as of 4/1/2023.
Savings Accounts
| Account Type | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| Regular Shares | $10.00 | 0.10% | 0.10% |
| Special Savings | - | 0.40% | 0.40% |
| Christmas Club Shares | - | 2.96% | 3.00% |
| Lucky Lagniappe Savings | $5.00 | 0.10% | 0.10% |
| IRA Shares | - | 0.55% | 0.55% |
| Money Market (Safe) Shares | $2,500 | 0.25% | 0.25% |
Money Market Share Certificates
| Length of Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 3 Months | $1,000 | 0.20% | 0.20% |
| 6 Months | $1,000 | 0.25% | 0.25% |
| 1 Year | $1,000 | 0.30% | 0.30% |
| 2 Years | $1,000 | 0.40% | 0.40% |
| 3 Years | $1,000 | 0.55% | 0.55% |
| 4 Years | $1,000 | 0.70% | 0.70% |
| 5 Years | $1,000 | 1.00% | 1.00% |
IRA Share Certificates
| Length of Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 1 Year | $1,000 | 0.45% | 0.45% |
| 2 Years | $1,000 | 0.54% | 0.54% |
| 3 Years | $1,000 | 0.70% | 0.70% |
| 5 Years | $1,000 | 1.14% | 1.15% |
Completely Free Checking Account
| Minimum Balance | Dividend Rate | APY |
|---|---|---|
| - | N/A | N/A |
1. APY = Annual Percentage Yield
2. Fees may reduce earnings on share accounts.
3. Shares are variable rate accounts and are subject to change without notice.
4. Early withdrawal penalty may apply on share certificate accounts.
5. Advertised rates are subject to change without notice. Rates are current as of 12/01/2022.
Personal Loans & Credit Cards
| Account Type | APR |
|---|---|
| Personal Loan | 9.25% |
| Visa Credit Card | 9.90% |
Share Secured Loans
| Account Type | Length of Term | APR |
|---|---|---|
| Share Secured Loan (PDR .10%) | 12 Months | 3.60% |
| Share Secured Loan (PDR .10%) | 24 Months | 4.10% |
| Share Secured Loan (PDR .10%) | 36 Months | 4.60% |
| Share Certificate Secured Loan | - | Certificate Rate + 3.50% |
APR = Annual Percentage Rate. The actual Interest Rate will be determined based on members’ overall credit history and score. Not all members will qualify for the lowest rate disclosed. Rates are subject to change without notice. Rates are current as of 12/01/2022.
Service Fees
| ACCOUNT CHARGES | Fees | |
|---|---|---|
| NSF/Overdraft Item | $25.00 | |
| Courtesy Pay | $25.00 | |
| Automatic Overdraft Transfer | $2.00 | |
| Stop Payment | $25.00 | |
| Share Draft Order (quantities vary) | depends on style | |
| Share Account Below Minimum ($10.00) Balance | $2.00 | |
| Share Account Closed Within 6 Months of Opening | $10.00 | |
| Dormant Share Account (12 months inactive) | $5.00 quarterly | |
| Share Account Withdrawals (3 per month at no charge, maximum 6 | $5.00 | |
| Money Market Early Withdrawal Penalty | ||
| 3 month, 6 month, 12 month certificate | 90 days earned dividend | |
| 24, 36, 48, 60 month certificate | 120 days earned dividend | |
| AUTOMATED/24-HOUR SERVICE CHARGES | ||
| Heart of LA ATM Transaction | FREE | |
| Non-member ATM Transaction | $2.00 | |
| Foreign ATM Transaction (4 per month at no charge) | $2.00 | |
| Visa Check Card Lost (per card) | $15.00 | |
| Visa Check Card Replacement (per card) | $5.00 | |
| Visa Check Card - Priority Issue | $35.00 | |
| Visa Check Card Overdraft Item | $25.00 | |
| Visa Transaction Dispute/Chargeback Denied | Actual Cost | |
| INTERNET OPTIONS | ||
| Online Banking | FREE | |
| "Bill Payer" {unlimited transactions} | FREE | |
| Bill Pay Check Copies | $5.00 | |
| Bill Pay Rush Payments (Draft Check) Next Business Day | $19.95 | |
| Bill Pay Rush Payments (Draft Check) Second Business Day | $14.95 | |
| Bill Pay Rush Payments (Electronic Payment) Second Business Day | $4.95 | |
| Gift Pay- Gift Check | $2.99 | |
| Gift Pay-Donation Check | $1.99 | |
| Mobile Banking | FREE | |
| Mobile Deposit | FREE | |
| MISCELLANEOUS SERVICE CHARGES | ||
| Returned/Unpaid Item - Business Account | $15.00 | |
| Returned/Unpaid Item | $15.00 | |
| Account Research/Reconcile (per hour, $10.00 minimum) | $20.00 | |
| Christmas Club Early Withdrawal | $25.00 | |
| Item Processed for Collection | $15.00 | |
| Account History Printout (to prior statement date) | $2.50 | |
| Returned Mail Fee / Bad Address | $5.00 | |
| Statement Copy | $5.00 | |
| Photocopy (per page) | $1.00 | |
| Fax Transmission (per page) | $1.00 | |
| Money Order | $1.75 | |
| Cashier's Check | $3.00 | |
| Safe Deposit Box Annual Rental | ||
| – Size 3 x 5 | $20.00 | |
| – Size 3 x 10 | $35.00 | |
| – Size 5 x 10 | $45.00 | |
| – Size 10 x 10 | $85.00 | |
| Safety Deposit Box Drilling and/or Key Replacement | Based on Actual Cost to Credit Union | |
| Prepaid Cards | $2.50 | |
| Tax Levy Fee | $25.00 | |
| Outgoing Wire Transfer | $15.00 | |
| International Wire Transfer | $40.00 | |
| Lagniappe Savings Early Withdrawal | 1st $10.00 / 2nd $25.00 | |
| Collateralized Loan Doc Fee | $50.00 | |
| BUSINESS CHECKING | ||
| Monthly Fee | $10.00 | |
| Cash Order | per $100 | $0.20 |
| Coin Order | per $400 | $0.20 |