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In-Branch Auto Lending
Get financing in order so you can upgrade your everyday vehicle or refinance an existing loan from another institution. We offer many options to suit all types of auto loan needs. Plus, our rates are some of the lowest in the area.
- Dealer or private party sales
- New or used
- Same-day decisions
- Weekly or bi-weekly payments are also available
- Loan will be held and serviced right here at HRCU
- Extended warranties and GAP policies available for both new and used autos
- Life/Disability payment insurance available to eligible borrowers
Auto Purchase Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2016 & Newer | 24 - 63 Months | 3.49% | 125% LTV | $5,000 | $17.40 | Apply Now |
| 64 - 75 Months | 3.99% | 125% LTV | $15,000 | $15.09 | Apply Now | |
| 76 - 84 Months | 4.49% | 125% LTV | $20,000 | $13.90 | Apply Now | |
| 2011 - 2015 | 24 - 63 Months | 3.74% | 125% LTV | $5,000 | $17.51 | Apply Now |
| 64 - 75 Months | 4.24% | 125% LTV | $15,000 | $15.21 | Apply Now | |
| 76 - 84 Months | 5.24% | 125% LTV | $20,000 | $14.25 | Apply Now | |
| 2009 - 2010 | 24 - 63 Months | 4.24% | 125% LTV | $5,000 | $17.74 | Apply Now |
Auto Refinance Rates
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2016 & Newer | 24 - 63 Months | 3.49% | 125% LTV | $5,000 | $17.40 | Apply Now |
| 64 - 75 Months | 3.99% | 125% LTV | $15,000 | $15.09 | Apply Now | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $14.14 | Apply Now | |
| 2011 - 2015 | 24 - 63 Months | 3.74% | 125% LTV | $5,000 | $17.51 | Apply Now |
| 64 - 75 Months | 4.24% | 125% LTV | $15,000 | $15.21 | Apply Now | |
| 76 - 84 Months | 5.24% | 125% LTV | $20,000 | $14.25 | Apply Now | |
| 2009 - 2010 | 24 - 63 Months | 4.24% | 125% LTV | $5,000 | $17.74 | Apply Now |