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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 - 20230 - 48 Months4.24%115% LTV$5,000$22.69Apply Now
49 - 63 Months4.49%115% LTV$15,000$17.85Apply Now
64 - 75 Months4.99%115% LTV$20,000$15.55Apply Now
76 - 84 Months5.99%115% LTV$20,000$14.60Apply Now
2015 - 20190 - 48 Months4.49%115% LTV$5,000$22.80Apply Now
49 - 63 Months4.74%115% LTV$15,000$17.96Apply Now
64 - 75 Months5.24%115% LTV$20,000$15.66Apply Now
76 - 84 Months6.24%115% LTV$20,000$14.72Apply Now
2013 - 201424 - 63 Months7.84%100% LTV$5,000$19.41Apply 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.

Payment Example: A $20,000 loan with a rate of 4.49% for 63 months, monthly payment is $356.94, total finance charges are $2,487.00.

HRCU does not finance model years older than 2013. Refinancing for non-HRCU loans only.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months4.24%115% LTV$5,000$22.69Apply Now
24 - 63 Months4.49%115% LTV$15,000$17.85Apply Now
64 - 75 Months4.99%115% LTV$20,000$15.55Apply Now
76-84 Months5.99%115% LTV$20,000$14.60Apply Now
2015 - 20190 - 48 Months4.49%115% LTV$5,000$22.80Apply Now
24 - 63 Months4.74%115% LTV$15,000$17.96Apply Now
64 - 75 Months5.24%115% LTV$20,000$15.66Apply Now
76 - 84 Months6.24%115% LTV$20,000$14.72Apply Now
2013 - 201424 - 63 Months7.84%100% LTV$5,000$19.41Apply 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.

Payment Example: A $20,000 loan with a rate of 4.49% for 63 months, monthly payment is $356.94, total finance charges are $2,487.00.

HRCU does not finance model years older than 2013. Refinancing for non-HRCU loans only.

Apply NowCalculate My PaymentsCalculate My PaymentsFind My Car NowFind 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

"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

 

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

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months4.24%115% LTV$5,000$22.69Apply Now
24 - 63 Months4.49%115% LTV$15,000$17.85Apply Now
64 - 75 Months4.99%115% LTV$20,000$15.55Apply Now
76-84 Months5.99%115% LTV$20,000$14.60Apply Now
2015 - 20190 - 48 Months4.49%115% LTV$5,000$22.80Apply Now
24 - 63 Months4.74%115% LTV$15,000$17.96Apply Now
64 - 75 Months5.24%115% LTV$20,000$15.66Apply Now
76 - 84 Months6.24%115% LTV$20,000$14.72Apply Now
2013 - 201424 - 63 Months7.84%100% LTV$5,000$19.41Apply 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.

Payment Example: A $20,000 loan with a rate of 4.49% for 63 months, monthly payment is $356.94, total finance charges are $2,487.00.

HRCU does not finance model years older than 2013. Refinancing for non-HRCU loans only.

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