HSM Credit Union
Verified rate book
Current HSM Credit Union rates
12 published offers verified as of July 30, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loanauto_new | 5.000% APR | 5.000% | new | Standard |
| Used Auto Loanauto_used | 5.000% APR | 5.000% | used | Standard |
| New & Used Auto Loanauto_any | 5.000% APR | 5.000% | any | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 6.250% APR | 6.250% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 12.000% APR | 12.000% | — | Standard |
| Salary Advance Loan (SALO)personal | 28.000% APR | 28.000% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VISA Credit Card (Gold)credit_card | 9.990% APR | 9.990% | — | Standard |
| VISA Credit Card (Classic)credit_card | 12.990% APR | 12.990% | — | Standard |
Savings & CD rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 3-Month Certificateshare_certificate_3mo | 3.00% APY | 3.00% | 3 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.25% APY | 3.25% | 6 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Salary Advance Loans (SALOs)other | 28.000% % | 28.000% | — | Standard |
Auto loans available from 5% APR. Personal loan rates from 6.25% APR. Credit card rates from 9.99% APR. Savings and certificate yields up to 3.50% APY.
Source: RateAPI.dev, verified from HSM Credit Union's official website
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About HSM Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.1K
- Assets
- $5.8M
- Founded
- 1977
- Locations reported
- 1
- NCUA charter
- 22740
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join HSM Credit Union
Membership eligibility from HSM Credit Union's own published criteria. How we verify this.
Membership via employers (HSM)
- EmployerHSM
Verified from HSM Credit Union's membership page. Final membership determination is always made by the credit union.
Work at HSM Credit Union?
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Frequently Asked Questions
What rates does HSM Credit Union offer?
HSM Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified July 30, 2026 directly from the credit union's official website.
How often are HSM Credit Union rates updated?
RateAPI verifies HSM Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 30, 2026.
Where does RateAPI get HSM Credit Union's rate data?
Rate data is collected directly from HSM Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are HSM Credit Union's auto loan rates?
As of July 30, 2026, HSM Credit Union offers auto loans from 5% APR.
What is HSM Credit Union's personal loan rate?
As of July 30, 2026, HSM Credit Union offers personal loans from 6.25% APR.
What is HSM Credit Union's best CD rate?
As of July 30, 2026, HSM Credit Union offers savings and certificate (CD) yields up to 3.50% APY.
Related Rate Data
Compare HSM Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack HSM Credit Union rates
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# Get rates for HSM Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/hsm" \
-H "Authorization: Bearer YOUR_API_KEY"