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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
2018 - 202124 - 63 Months2.74%125% LTV$5,000$17.07Apply Now
64 - 75 Months3.49%125% LTV$15,000$14.87Apply Now
76 - 84 Months4.59%125% LTV$20,000$13.95Apply Now
2013 - 201724 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.99%125% LTV$15,000$15.09Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2011 - 201224 - 63 Months5.99%125% LTV$5,000$18.55Apply Now

*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 2011. 

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

"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 contest and 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

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months2.74%125% LTV$5,000$17.07Apply Now
64 - 75 Months3.49%125% LTV$15,000$14.87Apply Now
76 - 84 Months4.59%125% LTV$20,000$13.95Apply Now
2013 - 201724 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.99%125% LTV$15,000$15.09Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2011 - 201224 - 63 Months5.99%125% LTV$5,000$18.55Apply Now

*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 2011.

Existing HRCU auto loans not eligible for Amazon e-card contest. Contest is open from 7/23/20 to 8/29/20. Must meet all promotional requirements to be entered to win $500 Amazon e-card. Entry to contest for $500 Amazon e-card is for loans approved and closed during contest period only. HRCU reserves the right to shut down promotion at any time. Winner will be selected by 5 PM EST on 8/31/20 and called or emailed. Winner has one day to respond. If winner does not respond within one day, prize will be forfeited and a new winner selected. By entering the contest, you are authorizing HRCU to use your name in publications, including but not limited to HRCU’s social media accounts and website. HRCU employees, family and volunteers are not eligible to enter the contest. HRCU reserves the right to adjust or shut down the contest at any time. Winner will be emailed the gift card. Winner is responsible for any taxes associated with the prize. Entrant agrees to hold HRCU harmless. Contest is in no way sponsored or endorsed by Amazon.

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