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Rates Effective: 2/04/12
| AUTO LOAN RATES |
|
| Type |
Term |
APR* |
Finance Up To |
Min Finance Amount |
Auto
2013-2011 |
24
Months |
3.24% |
125% MSRP |
$5,000 |
| 25-63 Months |
3.24% |
125% MSRP |
$5,000 |
| 64-75 Months |
4.49% |
125% MSRP |
$15,000 |
| 76-84 Months |
4.99% |
125% MSRP |
$20,000 |
Auto
2010-2009 |
24
Months |
3.49% |
125% MSRP |
$5,000 |
| 25-63 Months |
3.49% |
125% MSRP |
$5,000 |
| 64-75 Months |
4.74% |
125% MSRP |
$15,000 |
| 76-84 Months |
5.24% |
125% MSRP |
$20,000 |
Auto
2008-2007 |
24
Months |
3.99% |
125% MSRP |
$5,000 |
| 25-63 Months |
3.99% |
125% MSRP |
$5,000 |
| 64-75 Months |
4.99% |
125% MSRP |
$15,000 |
Auto
2006-2004 |
24
Months |
5.24% |
125% MSRP |
$5,000 |
| 25-63 Months |
5.24% |
125% MSRP |
$5,000 |
| An additional discount of up to 1.00% APR may be given to members if they qualify for the following discounts: Discount of 0.50% for 20% down, a discount of 0.25% for an HRCU VISA® credit card and a discount of 0.25% for being an HRCU Business Partner.
Example: a $5,000 auto loan with a rate of 3.74% APR for 24 months: Monthly payment is approximately $222.35. Total finance charge is approximately $199.28. Includes credit protection. |
| MOTORCYCLE LOAN RATES |
|
| Type |
Term |
APR* |
Finance Up To |
Min Finance Amount |
| Motorcycles |
24 Months |
4.49% |
100% MSRP |
N/A |
| 36 Months |
4.49% |
100% MSRP |
N/A |
| 48 Months |
4.49% |
100% MSRP |
N/A |
| 60 Months |
4.49% |
100% MSRP |
N/A |
| 72 Months |
4.99% |
100% MSRP |
N/A |
| The Above Rates Do Not Reflect the following Discounts:
20% Down Payment (Cash, Rebate or Trade) = Rate Reduction of 0.50%
HRCU VISA Credit Card = Rate Reduction of 0.25%
Business Partner Discount = Rate Reduction of 0.25% |
| CLASSIC CAR RATES |
|
| Type |
Term |
APR* |
Finance Up To |
Min Finance Amount |
| Classic Car Rates |
24 Months |
7.49% |
80% MSRP |
$5,000 |
| 36 Months |
7.74% |
80% MSRP |
$5,000 |
| 48 Months |
7.99% |
80% MSRP |
$5,000 |
| 60 Months |
7.99% |
80% MSRP |
$5,000 |
| 72 Months |
8.99% |
80% MSRP |
$5,000 |
| •Must be at least 15 yrs. Old, Max LTV=80%,
Will not finance “part cars”
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| SNOWMOBILES, JETSKIS & ATVs |
|
| Type |
Term |
APR* |
Finance Up To |
Min Finance Amount |
Snowmobiles,
Jet Skis & ATVs |
24 Months |
7.25% |
100% MSRP |
$5,000 |
| 36 Months |
7.25% |
100% MSRP |
$5,000 |
| 48 Months |
7.25% |
100% MSRP |
$5,000 |
| 60 Months |
7.50% |
100% MSRP |
$5,000 |
| 72 Months |
7.75% |
100% MSRP |
$5,000 |
| MOTOR HOMES, TRAVEL TRAILERS, 5TH WHEEL |
|
| Type |
Term |
APR* |
Finance Up To |
Min Finance Amount |
| RVs & Motorcrafts 2012-2010 |
24 Months |
5.99% |
100% MSRP |
$5,000 |
| 25-36 Months |
6.24% |
100% MSRP |
$5,000 |
| 37-48 Months |
6.49% |
100% MSRP |
$5,000 |
| 49-60 Months |
6.74% |
100% MSRP |
$5,000 |
| 61-72 Months |
6.99% |
100% MSRP |
$5,000 |
| 73-84 Months |
7.49% |
100% MSRP |
$5,000 |
| 85-120 Months |
7.74% |
100% MSRP |
$5,000 |
| RVs & Motorcrafts 2009-2008 |
24 Months |
6.24% |
100% MSRP |
$5,000 |
| 25-36 Months |
6.49% |
100% MSRP |
$5,000 |
| 37-48 Months |
6.74% |
100% MSRP |
$5,000 |
| 49-60 Months |
6.99% |
100% MSRP |
$5,000 |
| 61-72 Months |
7.24% |
100% MSRP |
$5,000 |
| 73-84 Months |
7.74% |
100% |
$5,000 |
| 85-120 Months |
7.99% |
100% MSRP |
$5,000 |
| RVs & Motorcrafts 2007-2006 |
24 Months |
6.74% |
100% MSRP |
$5,000 |
| 25-36 Months |
6.99% |
100% MSRP |
$5,000 |
| 37-48 Months |
7.24% |
100% MSRP |
$5,000 |
| 49-60 Months |
7.49% |
100% MSRP |
$5,000 |
| 61-72 Months |
7.74% |
100% MSRP |
$5,000 |
| 73-84 Months |
8.24% |
100% MSRP |
$5,000 |
| 85-120 Months |
8.49% |
100% MSRP |
$5,000 |
| RVs & Motorcrafts 2005-2001 |
24 Months |
7.24% |
100% MSRP |
$5,000 |
| 25-36 Months |
7.49% |
100% MSRP |
$5,000 |
| 37-48 Months |
7.74% |
100% MSRP |
$5,000 |
| ** Term not to exceed 48 months on models 6 years or older |
*All rates are Annual Percentage Rates (APR) and are based upon credit bureau score • Other terms & rates available. For more information contact us at (877) 895-6840. • Rates and conditions are subject to change without notice. • Trucks must be non-commercial and less than 1 ton. •Special terms, conditions and additional 0.25% discount for HRCU VISA credit card holders applies.
Shop, haggle, look and compare. When you finally make the deal for the car of your dreams, just write them a check…an HRCU check. With our pocket loan, we'll pre-approve you up to an agreed amount. Then we'll give you a check good up to that amount. A check that you fill in and sign over to the dealer of your choice. No waiting to get approved, no waiting for your new car. You can drive right out of the showroom. An HRCU Pocket Loan is your ticket to the ride of your dreams.
 You can apply for your Holy Rosary Credit Union loan directly at your local dealer's through the CUDL program. You get the same great rates and an approval in minutes.
Click here to find out more about CUDL.
Imagine yourself trolling in your new boat, or zipping across the waves in a new jet ski. Maybe it is the open road in a new travel trailer or motorcycle. How about racing across the snow in a new snowmobile? Whatever your recreational needs are, we have the loan for you.
 Apply for a loan anytime, 24 hours a day.
Just call Phone-A-Loan toll free at
(888) 270-6959 and talk to a real live person.
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Mortgages
Construction
