Auto Refinance

*Rates shown include a 0.50% HRCU member loyalty discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing member with a checking account and an active debit card or payroll direct deposit. These must be established and active prior to loan closing. To qualify for the additional 0.25% rate discount, you must have an active loan or credit card with HRCU or have had one that was paid in full within the prior 12 months. The 0.50% discount applies to all consumer loans, excluding VISA, personal lines of credit, real estate loans and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Applicant must meet membership guidelines. Standard underwriting guidelines apply. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice.

**”Up to 90 Days without Payments” feature is valid on new auto loans and auto refinance loans to existing members. Interest will begin to accrue on the day the loan is closed and funded. The first payment after the "Up to 90 Days Without Payments" feature will first be applied to outstanding interest with normal amortization once that has been satisfied. Internal HRCU loan refinances are not eligible. Existing members who qualify can receive both the HRCU Member Loyalty Discount and the "Up to 90 days without Payments" offer.