more than you imagine
4005 N. Broadway, Knoxville, TN 37917 (865) 689-6152
Copyright 2000 Health Systems Credit Union. All rights reserved.
Loan Rates
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About Us
Rates are set by the Board of Directors and may change at any time without notice. All rates quoted are with approved credit.
*For line-of-credit advances - Your minimum payment is established at the time of the first advance as
follows: $4 for each $100 of your approved line-of-credit. However, your minimum payment will never be less than $25 per month.
Loan Type                       Term                                          APR (Annual 
                                                                                               Percentage
                                                                                               Rate) As Low As
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VISA Classic                    Revolving - 25 day grace         11.95%
Credit card                       period on all purchaes.              Purchases and cash advances
                                           Minimum payment is 2.5%       are calculated separately using
                                           of your total new balance,         the average daily balance
                                           but not less than $10 plus         method*
                                           the amount of any prior 
                                           minimum payments that have
                                           not been paid and any balance
                                           that exceeds your credit limit
 
                                           $25 Return check charge 
                                           $15 Over-the-limit fee                                     
                                           $15 Late Payment fee 
                                           $5 each for card replacement fee or
                                                 statement copies   
                                                                 
                                            $12 Non-usage fee - waived on
                                            all active accounts
 
                                             International Service Assessment fee
                                             will be 1% of the transaction amount plus
                                             any additional service fees 
*Separate finance charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily balances for purchases and cash advances. Each average daily balance is determined by taking the beginning balance (of cash advances or purchases) in your account each day, adding any new purchases or cash advances (whichever is applicable) and subtracting any payments or credits. The results are the daily balances. All the daily balances for the statement cycle are added and the total is divided by the number of days in the statement cycle to arrive at the average daily balance for the cycle.
*The annual percentage rate you receive for the above loan accounts are based on certain
credit-worthiness criteria. Ask any Credit Union loan officer for your rate information.
*The annual percentage rate you receive for the above loan accounts are based on certain
credit-worthiness criteria. Ask any Credit Union loan officer for your rate information.
Loan Type Term
APR(Annual Percentage Rate)
As Low As
Payday Loan Advance 
two bi-weekly pay
periods 
 10.00% 
Line-of-credit*  revolving  15.95% 
Regular Savings Secured  varies 
2% above the current rate being paid on
the share acccount that secures the loan,
on the date of the advance 
Special Savings Secured  varies  2% above the current rate being paid on
the share acccount that secures the loan,
on the date of the advance 
 
Certificate of Deposit Secured   varies  2% above the current rate being paid on
the share certificate acccount that secures
the loan, on the date of the advance 
  
Sometimes you just want to upgrade!
Loan Type                             Term
APR (Annual
Percentage
Rate) As Low As
Personal up to 48 months         
10.50 * 
Personal Loan Special
offered periodically 
 up to 12 months   7.95 *
New or Used Auto, Boat or
Recreational Vehicle 
up to 60 months 
based on model year
5.99% *  2005-2008 models
Used Auto, Boat or
Recreational Vehicle 
up to 48 months
based on model year
 
6.60% *  2000-2004 models 
Loan Type
Lien
Status
 Term
APR (Annual
Percentage Rate)
As Low As 
Loan to
Value
Origination Fee/
Points/Closing Costs
 
Home Equity
Variable Rate
-------------------
May adjust up or
down 2% annually;
7% floor; 13% cap
 
 1st or 2nd  15 Yr. 
6.25% *
unit costs ex:
180 months $39.51 for
every $5,000 borrowed 
 90% 
Zero Origination/
Zero Points/ Closing fees
are actual costs 
1st Mortgage
Variable Rate
-------------------
May adjust up or
down 2% annually;
6% floor; 13% cap 
 
 1st  30 Yr. 
6.25% *
unit costs ex:
360 months $26.80 for
every $5,000 borrowed 
 		 90% 
Zero Origination/
Zero Points/ Closing fees
are actual costs 
 
1st Mortgage
Fixed Rate
 
 
 1st  30 Yr. 
N/A *
unit costs ex:
360 months $30.00 for
every $5,000 borrowed
 
 90% 
Zero Origination/
Zero Points/ Closing fees
are actual costs