Personal & Other Loan Rates - Harvard University Employees Credit Union
Holiday Hours: All HUECU Branches and Support Center will be closed on Monday, January 18 for the Martin Luther King Jr. holiday.

HUECU’s current Personal & Other Loan rates as of January 1, 2021.

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Personal Loans
 Loan Type APR1 as low as Maximum Term Maximum Amount
Personal Loan 8.99%2 Up to 60 Months $25,000.00
Debt Consolidation 8.99%2 Up to 60 Months $25,000.00
Home Improvement 8.99%2 Up to 60 Months $25,000.00
Holiday 7.50%3 Up to 18 Months $4,000.00
Vacation 7.50%3 Up to 18 Months $4,000.00
CD Secured 6.99% or 2% above certificate, whichever is higher Up to the Maturity of the certificate $50,000.00
Checking Reserve
Overdraft Protection
14.00% n/a $5,000.00

1. Annual Percentage Rate. Rates advertised are the lowest rates available and include APR minus .25% discount with automatic payment from a Crimson Checking account. Your rate may vary from rate shown. Certain restrictions may apply. Subject to Credit Approval.
2. Loan Example: $5,000.00 at 8.99% for 60 months. Monthly payment is $103.75 with total finance charges of $1224.29 and total repayment $6224.29. 
3. Loan Example: $2,500.00 loan at 7.50% for 12 months: monthly payment $216.89; total finance charge $102.68; total repayment $2602.68 Loan Example 2: $4,000.00 loan at 7.50% for 18 months: monthly payment $235.65; total finance charge $241.70; total repayment $4241.70. 

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