Rates

This Rate Schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as a part of your account agreement with Huntington Beach Credit Union.

Savings Accounts

Rates effective as of March 1, 2026

Regular Share Accounts

Account Balance APR APY
$25 to $25,000 0.10% 0.10%
$25,001 to $100,000 0.15% 0.15%
$100,001+ 0.20% 0.20%

Secondary Share Accounts

Account Balance APR APY
$100 to $25,000 0.10% 0.10%
$25,001 - $100,000 0.15% 0.15%
$100,001+ 0.20% 0.20%

Money Market Share Accounts

No more than six preauthorized, automatic, or telephone transfers may be made to another account at the credit union or to a third party in any calendar month, and no more than three of these six transfers may be made by check, draft, or similar order payable to a third party. If you exceed, or attempt to exceed these transfer limits, the excess transfer requests may be refused or reversed, a fee may be imposed on the excess transfer request, and the credit union may reclassify or close your account. Mastermoney debit card services not available on this account type.
 

Minimum Balance APR APY
$2,500 - $25,000 1.34% 1.35%
$25,001 - $100,000 1.84% 1.85%
$100,001+ 2.82% 2.85%

IRAs

Balance Amount APR APY
$500 - $25,000 0.20% 0.20%
$25,001 To $100,000 0.25% 0.25%
$100,001+ 0.30% 0.30%

Term Share Certificates (CDs)

HBCU may match the current Share Certificate (CD) rate and term offered by another financial institutions when verified and when you maintain an active share draft checking account with a minimum of 3 transactions and direct deposit of NetPay, PERS or Social Security.

3-Month CD

Required Balance APR APY
$2,500+ 2.48% 2.50%
$25,000+ 2.62% 2.65%
$50,000+ 2.77% 2.80%

6-Month CD

Required Balance APR APY
$2,500+ 2.48% 2.50%
$25,000+ 2.62% 2.65%
$50,000+ 2.77% 2.80%

1-Year CD

Required Balance APR APY
$2,500+ 2.97% 3.00%
$25,000+ 3.11% 3.15%
$50,000+ 3.26% 3.30%

18-month CD

Required Balance APR APY
$2,500+ 2.97% 3.00%
$25,000+ 3.11% 3.15%
$50,000+ 3.26% 3.30%

2-Year CD

Required Balance APR APY
$2,500+ 2.72% 2.75%
$25,000+ 2.87% 2.90%
$50,000+ 3.02% 3.05%

3-Years

Required Balance APR APY
$2,500+ 2.48% 2.50%
$25,000+ 2.62% 2.65%
$50,000+ 2.77% 2.80%

Beach City Kids Club Account

Savings account for members 0 to 12 years old

Account Balance APR APY
$25 to $1,000 3.94% 4.00
$1,001 to $10,000 1.98% 2.00%
$10,001 to $100,000 max 0.99% 1.00%

Bonfire Teen Club Account

For members 13 to 19 years old

Account Balance APR APY
$25 to $1,000 3.94% 4.00%
$1,001 to $10,000 1.98% 2.00%
$10,001 to $100,000 max 0.99% 1.00%

Loans

Rates effective as of March 1, 2026

The Annual Percentage Rates (APRs) listed are current as of the effective date and are not intended to be inclusive or a commitment of the pricing for which you may qualify. The loan and accompanying interest rates and APR you may qualify for are based on your credit history, loan-to-value, loan amount, loan purpose, and income/financial obligations. All loans are subject to a minimum credit qualifying score. Interest rates and APRs are subject to change without notice. Financing percentages reflect maximum amounts, and, in some cases, you may not qualify for maximum financing.

Vehicle Loans

Vehicle financing includes taxes, license and insurance for qualified borrowers up to 125% MSRP for new vehicles and 120% of the NADA value or Kelley Blue Book for used vehicles. Maximum loan amount is $125,000 on new vehicles and $115,000 on used vehicles. Recreational vehicles & boats financing up to 100%. Maximum loan amount is $100,000 on RVs and Boats. Members cannot exceed over 2 times gross monthly income or $20,000 whichever is less on combined unsecured & credit card loans with HBCU.

New Vehicle Loan

Auto, truck, van, motorcycle
Prior year and current year models with less than 7,500 miles
First Time Buyer add 3.00% to highest rate in range for term

Term Max. Loan APR*
1 - 48 Months Up to $125,000 As low as
4.74%
60 Months $125,000 As low as
5.00%
72 Months $125,000 As low as
5.25%
84 Months $125,000 As low as
5.50%
96 Months $125,000 As low as
6.00%

Used Vehicle Loan

Auto, truck, van, motorcycle
Prior year models less than ten years old and current year models previously registered with more than 7,500 miles.
First Time Buyer add 3.00% to highest rate in range for term.

Term Max. Loan APR*
1 - 36 Months $115,000 As low as
5.74%
48 Months $115,000 As low as
6.00%
60 Months $115,000 As low as
6.25%
72 Months $115,000 As low as
6.50%
84 Months $115,000 As low as
7.00%

New Recreational Vehicle/Boat Loan

Current model year

Term Max. Loan APR*
1 - 72 Months $100,000 As low as
6.99%
84 Months $100,000 As low as
7.25%
96 Months $100,000 As low as
7.50%
108 Months $100,000 As low as
7.75%
120 Months $100,000 As low as
8.00%

Used Recreational Vehicle/Boat Loans

Prior model years (2015 and newer)

Term Max. Loan APR*
1 - 72 Months $100,000 As low as
7.49%
84 Months $100,00 As low as
7.75%
96 Months $100,000 As low as
8.00%
108 Months $100,000 As low as
8.25%
120 Months $100,000 As low as
8.50%

Classic Car Loans

Classic Car Loans offer up to 100% financing, based on credit tier. Financing only available within California — no out-of-state vehicle financing. 

Term Max. Loan APR
Classic Car Loans 72 months 2% above Used Vehicle Loan rates

Rates are subject to change without notice. Certain restrictions apply. Classic cars must be 20 model years old or older and may be financed up to 100% vehicle value, depending on credit history and collateral condition. Classic cars must be in operable condition, have a California title, and current registration. Proof of insurance for the classic car is required before funding. Kit cars and other specially constructed or modified vehicles  excluded. Any insurance required as a condition of an extension of credit by HBCU need not be purchased through the credit union and may be purchased from an agent or an insurance company of the Member’s choice.

Personal Loans and Overdraft Line of Credit

Easy Access Line of Credit

Term Min. Amount APR* Daily Periodic Rate
Open End $1,000 As low as
10.00%		 As low as
0.027397%

Unsecured Signature Loan

Minimum loan amount for all terms: $1,000

Term Max. Amount Up To APR*
12 Months $20,000 As low as
10.00%
24 Months $20,000 As low as
10.25
36 Months $20,000 As low as
10.50
48 Months $20,000 As low as
11.00%
60 Months $20,000 As low as
11.50%

Credit Cards

Credit Card Type APR
Visa Surf Wave As low as
11.90%
Visa Coastal Rewards As low as
15.90%

Home Loans

Financing percentages reflect maximum amounts, and, in some cases, you may not qualify for maximum financing. Taxes and insurance must be impounded and included as part of the payment. Maximum debt to income ratio (DTI) allowed is 50% inclusive of new payment.

Loan Type Term APR*
New Manufactured Home Loan (Mobile Home)

90% Financing up to $350,000

 240 Months As low as
7.75%
Used Manufactured Home Loan (Mobile Home)

90% Financing up to $350,000

 240 Months As low as
8.25%

APR = Annual Percentage Rate.
APY= Annual Percentage Yield.

HBCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. Rates are subject to change. Please call (714) 536-6517 to obtain current rate information. Certain conditions and restrictions may apply.