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Recreational Loans

Whether you're looking to buy a fun seasonal vehicle or something that will simply let you ride in style, we have the financing you need for all sorts of recreational vehicles.

Motorcycle Loans

We want our members to chase sunsets, not financing. That's why we offer same-day decisions on motorcycle loans.

Features
  • Dealer or private party sales
  • New or used
  • 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 for both new and used bikes
  • Life/Disability payment insurance available to eligible borrowers
Rates

Motorcycle Loan Rates

Effective Date: Tuesday, October 22, 2019

Motorcycle Loan Rates

TermAPR*Finance
Up To		Min. Finance AmountMonthly Payment/$1,000
24 - 36 Months2.99%100% LTV$5,000$29.08
37 - 48 Months3.49%100% LTV$15,000$22.56
49 - 60 Months3.99%100% LTV$20,000$18.42
61 - 72 Months4.49%100% LTV$20,000$15.88

*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 motorcycle loan, and a .10% discount for member loyalty (2 year minimum). Model Year 2008 to 2013: Add .25% to rate.

Payment Example: A $5,000 motorcycle loan with a rate of 2.99% for 36 months, monthly payment is approximately $145.36. Total finance charge is approximately $234.36.

HRCU does not finance model years older than 2008.

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Classic Car Loans

Nostalgia has a huge influence on our purchasing decisions. Luckily, we have you covered when you decide to purchase that eye-catching classic! As long as the car is over 15 years old and can be found in the NADA Classic, Collectible, Exotic and Muscle Car Appraisal Guide & Directory , you can get the green light to travel back in time.

Features
  • Dealer or private party sales
  • Weekly or bi-weekly payments available
  • Loan will be held and serviced right here at HRCU
  • Life/Disability payment insurance available for eligible borrowers
Rates

Classic Car

Effective Date: Tuesday, October 22, 2019

Classic Car

TermAPR*Finance
Up To		Min. Finance AmountMonthly Payment/$1,000
24 Months7.49%80% LTV$5,000$45.00
36 Months7.74%80% LTV$5,000$31.22
48 Months7.99%80% LTV$5,000$24.42
60 Months7.99%80% LTV$10,000$20.28

*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 classic car loan, and a .10% discount for member loyalty (2 year minimum).

Must be at least 15 yrs. old, Max LTV = 80%. Will not finance “part cars.” Payment Example: A $10,000 classic car loan with a rate of 7.99% for 48 months, monthly payment is approximately $244.09. Total finance charge is approximately $1,715.81.

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Boat Loans

Those summer nights would be better spent offshore! Our members can find financing for nearly every type of watercraft available.

Rates

Boats

Effective Date: Tuesday, October 22, 2019

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2014 or Newer Models36-60 Months5.49%100% LTV$5,000$19.11
61-84 Months5.99%100% LTV$10,000$14.61
120 Months6.24%100% LTV$25,000$11.23
2008 to 2013 Models36-60 Months5.74%100% LTV$5,000$19.22
61-84 Months6.24%100% LTV$10,000$14.74
120 Months6.49%100% LTV$10,000$11.36

*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 loan, and a .10% discount for member loyalty (2 year minimum). Model Year 2008 to 2013: Add .25% to rate.

Payment Example: A $20,000 boat loan with a rate of 5.99% for 72 months, monthly payment is approximately $331.50. Total finance charge is approximately $3,867.73.

Boats over 10 years old will be reviewed on a case-by-case basis, and may be subject to an additional .50% rate increase.

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Snowmobile, Jetski & ATV Loans

No matter the season, we have the loans members need to keep their adrenaline flowing.

Rates

Snowmobiles, Jetskis & ATVs

Effective Date: Tuesday, October 22, 2019

Snowmobiles, Jetskis & ATVs

TermAPR*Finance
Up To		Min. Finance AmountMonthly Payment/$1,000
24 months3.99%100% LTV$5,000$43.43
36 Months3.99%100% LTV$5,000$29.53
48 Months4.49%100% LTV$5,000$22.80
60 Months4.99%100% LTV$10,000$18.79
72 Months5.99%100% LTV$15,000$16.58

*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 loan, and a .10% discount for member loyalty (2 year minimum). Model Year 2010 to 2015: Add .25% to rate.

Payment Example: A $5,000 Snowmobile/Jet Ski/ATV loan with a rate of 4.49% for 48 months, monthly payment is approximately $114.01. Total finance charge is approximately $472.08.

HRCU does not finance model years older than 2010.

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Large RVs

For those that have graduated from tents, we have the financing you need to travel and camp in style! Loans are available for Motor Homes, Travel Trailers and 5th Wheels.

Rates

Large RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Tuesday, October 22, 2019

Large RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2008 or Newer36 Months4.49%100% LTV$15,000$24.75
48 Months5.49%100% LTV$15,000$23.26
60 Months5.74%100% LTV$15,000$19.22
72 Months6.24%100% LTV$15,000$16.69
84 Months6.24%100% LTV$20,000$16.69
120 Months6.24%100% LTV$25,000$16.69

*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 loan, and a .10% discount for member loyalty (2 year minimum). Add .50% to the rate for 91% - 100% LTV ratios. Model Year 2008 to 2013: Add .25% to rate.

Payment Example: A $30,000 loan with a rate of 5.74% for 60 months, monthly payment is approximately $576.41. Total finance charge is approximately $4,594.63.

HRCU does not finance model years older than 2008.

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Pop-up Campers & Truck Campers

Pack up your vehicle, hook up your camper and set off on an adventure to your destination of choice with the help of your friends at HRCU.

Rates

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

Effective Date: Tuesday, October 22, 2019

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

TypeTermAPR*Finance
Up To		Min. Finance AmountMonthly Payment/$1,000
2010 or Newer24 Months3.99%100% LTV$5,000$43.43
36 Months3.99%100% LTV$5,000$29.53
48 Months4.49%100% LTV$5,000$22.80
60 Months4.99%100% LTV$10,000$18.79
72 Months5.99%100% LTV$15,000$16.58

*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). Model Year 2010 to 2015: Add .25% to rate.

Payment Example: A $5,000 loan with a rate of 4.49% for 48 months, monthly payment is approximately $114.01. Total finance charge is approximately $472.08.

HRCU does not finance model years older than 2010.

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Scooters

Maybe you prefer a brisk wind as you chase sunsets. We offer same-day decisions on scooter loans too!

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Non-Commercial Tractors/Mowers

Let our financing options help you take care of all your personal home landscaping needs.

Rates

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

Effective Date: Tuesday, October 22, 2019

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

TypeTermAPR*Finance
Up To		Min. Finance AmountMonthly Payment/$1,000
2010 or Newer24 Months3.99%100% LTV$5,000$43.43
36 Months3.99%100% LTV$5,000$29.53
48 Months4.49%100% LTV$5,000$22.80
60 Months4.99%100% LTV$10,000$18.79
72 Months5.99%100% LTV$15,000$16.58

*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). Model Year 2010 to 2015: Add .25% to rate.

Payment Example: A $5,000 loan with a rate of 4.49% for 48 months, monthly payment is approximately $114.01. Total finance charge is approximately $472.08.

HRCU does not finance model years older than 2010.

Apply Now
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