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Shopping for Your Car

Let us help you find your next new or used vehicle!

Click "Find My Car Now" to access CUDL AutoSMART and see offers from local dealerships!

If you are ready to apply for your auto loan already, click "Apply Now" and let's get started!

Features
  • Finance your new or used vehicle from a dealer or private party sales
  • Same-day decisions
  • Weekly or bi-weekly payments available
  • Loan will be held and serviced right here at HRCU
  • Extended warranties and GAP policies available
  • Life/Disability payment insurance available to eligible borrowers

 

 

 

 

Rates

Auto Purchase Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20240 - 48 Months6.49%125% LTV$5,000$23.71Apply Now
49 - 63 Months6.74%125% LTV$15,000$18.89Apply Now
64 - 75 Months7.49%125% LTV$20,000$16.74Apply Now
76 - 84 Months8.49%125% LTV$20,000$15.83Apply Now
2015 - 20190 - 48 Months6.99%125% LTV$5,000$23.94Apply Now
49 - 63 Months7.24%125% LTV$15,000$19.13Apply Now
64 - 75 Months7.99%125% LTV$20,000$16.98Apply Now
76 - 84 Months8.74%125% LTV$20,000$15.96Apply Now
2013 - 201424 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (within past 12 months) or the purchase of an electric or hybrid vehicle (.25% discount cannot be combined). Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20240 - 48 Months6.49%125% LTV$5,000$23.71Apply Now
49 - 63 Months6.74%125% LTV$15,000$18.89Apply Now
64 - 75 Months7.49%125% LTV$20,000$16.74Apply Now
76-84 Months8.49%125% LTV$20,000$15.83Apply Now
2015 - 20190 - 48 Months6.99%125% LTV$5,000$23.94Apply Now
49 - 63 Months7.24%125% LTV$15,000$19.13Apply Now
64 - 75 Months7.99%125% LTV$20,000$16.98Apply Now
76 - 84 Months8.74%125% LTV$20,000$15.96Apply Now
2013 - 201424 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (within past 12 months) or the purchase of an electric or hybrid vehicle (.25% discount cannot be combined). Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Apply NowCalculate My PaymentsCalculate My PaymentsShop For My CarFind My Car NowFind My Car's Value on NADAFind My Car's Value on NADABrowse Car Reviews on EdmundsBrowse Car Reviews on EdmundsView EPA's Fuel Economy GuideView EPA's Fuel Economy GuideAlready applied online? Check the status nowAlready applied online? Check the status now

Save For Your Car

Open a "Create-A-Club" Account today to start saving for your next vehicle!

Features
  • No monthly maintenance charge
  • Interest paid at the end of each month
  • Give your account a custom name
Rates

Club Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
Create-A-Club$0.05%.05%$5

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.

Refinance Your Auto Loan

Looking to refinance your auto loan for better terms and lower rates? Look no further.

Refinancing your existing auto loan with HRCU may help you decrease your monthly payments, change to better short-term or long-term payments, or pay off your loan sooner.

Features & Benefits
  • Exclusive member discounts*
  • Up to 90 days no payments**
  • Available for new or used vehicles
  • Fast and easy application process with 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
  • Life/Disability payment insurance available to eligible borrowers
Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20240 - 48 Months6.49%125% LTV$5,000$23.71Apply Now
49 - 63 Months6.74%125% LTV$15,000$18.89Apply Now
64 - 75 Months7.49%125% LTV$20,000$16.74Apply Now
76 - 84 Months8.49%125% LTV$20,000$15.83Apply Now
2015 - 20190 - 48 Months6.99%125% LTV$5,000$23.94Apply Now
49 - 63 Months7.24%125% LTV$15,000$19.13Apply Now
64 - 75 Months7.99%125% LTV$20,000$16.98Apply Now
76 - 84 Months8.74%125% LTV$20,000$15.96Apply Now
2013 - 201424 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20240 - 48 Months6.49%125% LTV$5,000$23.71Apply Now
49 - 63 Months6.74%125% LTV$15,000$18.89Apply Now
64 - 75 Months7.49%125% LTV$20,000$16.74Apply Now
76-84 Months8.49%125% LTV$20,000$15.83Apply Now
2015 - 20190 - 48 Months6.99%125% LTV$5,000$23.94Apply Now
49 - 63 Months7.24%125% LTV$15,000$19.13Apply Now
64 - 75 Months7.99%125% LTV$20,000$16.98Apply Now
76 - 84 Months8.74%125% LTV$20,000$15.96Apply Now
2013 - 201424 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (within past 12 months) or the purchase of an electric or hybrid vehicle (.25% discount cannot be combined). Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

*To qualify for the HRCU Member Loyalty Discount, applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an HRCU VISA. An applicant that meets at least one (1) of the three (3) criteria listed qualifies for the 0.25% loan discount. The 0.25% 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.
Apply NowCalculate My PaymentsCalculate My PaymentsAlready applied online? Check the status nowAlready applied online? Check the status now

Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

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