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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
2017 & Newer24 - 63 Months2.99%125% LTV$5,000$17.18
64 - 75 Months3.39%125% LTV$15,000$14.82
76 - 84 Months4.59%125% LTV$20,000$13.95
2012 - 201624 - 63 Months3.24%125% LTV$5,000$17.29
64 - 75 Months3.84%125% LTV$15,000$15.03
76 - 84 Months4.99%125% LTV$20,000$14.14
2010 - 201124 - 63 Months5.74%125% LTV$5,000$18.43

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for an active HRCU checking account with direct deposit, a .15% discount for an automatic payment on your HRCU auto loan, and a .10% discount for member loyalty (2 year minimum).

Payment Example: A $15,000 loan with a rate of 3.24% for 48 months, monthly payment is $333.64, total finance charges are $1,012.64.

HRCU does not finance model years older than 2010. 

Auto Refinance Rates

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


Must meet all promotional requirements to be eligible for $25 Amazon e-card. $25 Amazon e-card provided on approved and closed loans only and provided via e-mail after loan closing (exceptions may be made for those without an email address). Limited time offer. HRCU reserves the right to shut down promotion at any time.

 

Rates as low as 2.99% APR*

"I was able to save $200 a month by refinancing my vehicle through Holy Rosary Credit Union. Being a single mother of two daughters that extra money a month has been life changing for us. The process was so simple and fast. I am forever grateful for the Holy Rosary team." -Nicole, HRCU Member

*Full refinance rate listing available below

Features & Benefits
  • Lower your rate & save money
  • Use equity in vehicle for cash out
  • Quick 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
Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2017 & Newer24 - 63 Months2.99%125% LTV$5,000$17.18Apply Now
64 - 75 Months3.39%125% LTV$15,000$14.82Apply Now
76 - 84 Months4.59%125% LTV$20,000$13.95Apply Now
2012 - 201624 - 63 Months3.24%125% LTV$5,000$17.29Apply Now
64 - 75 Months3.84%125% LTV$15,000$15.03Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2010 - 201124 - 63 Months5.74%125% LTV$5,000$18.43Apply Now

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2017 & Newer24 - 63 Months2.99%125% LTV$5,000$17.18
64 - 75 Months3.39%125% LTV$15,000$14.82
76 - 84 Months4.59%125% LTV$20,000$13.95
2012 - 201624 - 63 Months3.24%125% LTV$5,000$17.29
64 - 75 Months3.84%125% LTV$15,000$15.03
76 - 84 Months4.99%125% LTV$20,000$14.14
2010 - 201124 - 63 Months5.74%125% LTV$5,000$18.43

*Rate shown is annual percentage rate (APR) and subject to change without notice.  Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for an active HRCU checking account with direct deposit, a .15% discount for an automatic payment on your HRCU auto loan, and a .10% discount for member loyalty (2 year minimum). 

Payment Example: A $15,000 loan with a rate of 3.24% for 48 months, monthly payment is $333.64, total finance charges are $1,012.64.

HRCU does not finance model years older than 2010.

Must meet all promotional requirements to be eligible for $25 Amazon e-card. $25 Amazon e-card provided on approved and closed loans only and provided via e-mail after loan closing (exceptions may be made for those without an email address). Limited time offer. HRCU reserves the right to shut down promotion at any time.

Online & Mobile Banking

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