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Auto Purchase Rates

Effective Date: Tuesday, December 6, 2022

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months4.99%115% LTV$5,000$23.02Apply Now
49 - 63 Months5.24%115% LTV$15,000$18.19Apply Now
64 - 75 Months5.49%115% LTV$20,000$15.78Apply Now
76 - 84 Months6.49%115% LTV$20,000$14.84Apply Now
2015 - 20190 - 48 Months5.24%115% LTV$5,000$23.14Apply Now
49 - 63 Months5.49%115% LTV$15,000$18.31Apply Now
64 - 75 Months5.99%115% LTV$20,000$16.02Apply Now
76 - 84 Months6.74%115% LTV$20,000$14.97Apply 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 5.24% for 63 months, monthly payment is $363.81 total finance charges are $2,920.34.
HRCU does not finance model years older than 2013 Refinancing for non-HRCU loans only.


Auto Refinance Rates

Effective Date: Tuesday, December 6, 2022

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months4.99%115% LTV$5,000$23.02Apply Now
24 - 63 Months5.24%115% LTV$15,000$18.19Apply Now
64 - 75 Months5.49%115% LTV$20,000$15.78Apply Now
76-84 Months6.49%115% LTV$20,000$14.84Apply Now
2015 - 20190 - 48 Months5.24%115% LTV$5,000$23.14Apply Now
24 - 63 Months5.49%115% LTV$15,000$18.31Apply Now
64 - 75 Months5.99%115% LTV$20,000$16.02Apply Now
76 - 84 Months6.74%115% LTV$20,000$14.97Apply 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 5.24% for 63 months, monthly payment is $363.81 total finance charges are $2,920.34.
HRCU does not finance model years older than 2013. Refinancing for non-HRCU loans only.


Motorcycle Loan Rates

Effective Date: Tuesday, December 6, 2022

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 - 202324 - 36 Months5.99%100% LTV$5,000$30.42Apply Now
37 - 48 Months5.99%100% LTV$15,000$23.48Apply Now
49 - 60 Months5.99%100% LTV$20,000$19.33Apply Now
61 - 72 Months6.74%100% LTV$20,000$16.92Apply Now
2013 - 201924 - 36 Months6.49%100% LTV$5,000$30.64Apply Now
37 - 48 Months6.49%100% LTV$15,000$23.71Apply Now
49 - 60 Months6.49%100% LTV$20,000$19.59Apply Now
61 - 72 Months7.49%100% LTV$20,000$17.29Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Payment Example: A $15,000 motorcycle loan with a rate of 5.99% for 60 months, monthly payment is approximately $289.92. Total finance charge is approximately $2,395.34.

HRCU does not finance model years older than 2013.


Classic Car

Effective Date: Tuesday, December 6, 2022

Classic Car

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Classic Car24 Months8.74%80% LTV$5,000$45.57Apply Now
36 Months8.99%80% LTV$5,000$31.80Apply Now
48 Months9.24%80% LTV$5,000$25.00Apply Now
60 Months9.24%80% LTV$10,000$20.88Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

• 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 9.24% for 48 months, monthly payment is approximately $249.99. Total finance charge is approximately $1,999.60.


Boats

Effective Date: Tuesday, December 6, 2022

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2020 or Newer Models36-59 Months6.24%100% LTV$5,000$19.73Apply Now
60-71 Months6.99%100% LTV$10,000$17.24Apply Now
72-84 Months6.99%100% LTV$25,000$15.09Apply Now
85-120 Months6.99%100% LTV$30,000$11.61Apply Now
144-180 Months7.24%100% LTV$30,000$9.12Apply Now
2013 to 2019 Models36-59 Months6.74%100% LTV$5,000$19.96Apply Now
60-71 Months7.24%100% LTV$10,000$17.36Apply Now
72-84 Months7.24%100% LTV$25,000$15.21Apply Now
85-120 Months7.49%100% LTV$30,000$11.86Apply Now
144-180 Months8.24%100% LTV$30,000$9.70Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Payment Example: A $25,000 boat loan with a rate of 6.99% for 120 months, monthly payment is approximately $290.14. Total finance charge is approximately $9,817.08.

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


Snowmobiles, Jetskis, ATVs and Scooters

Effective Date: Tuesday, December 6, 2022

Snowmobiles, Jetskis, ATVs and Scooters

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 and Newer24 months5.49%100% LTV$5,000$44.09Apply Now
36 Months5.49%100% LTV$5,000$30.19Apply Now
48 Months5.74%100% LTV$5,000$23.37Apply Now
60 Months5.74%100% LTV$10,000$19.21Apply Now
72 Months6.74%100% LTV$15,000$16.92Apply Now
2013 - 201924 Months6.99%100% LTV$15,000$44.77Apply Now
36 Months6.99%100% LTV$15,000$30.87Apply Now
48 Months7.24%100% LTV$5,000$24.06Apply Now
60 Months7.24%100% LTV$15,000$19.91Apply Now
72 Months7.99%100% LTV$15,000$17.53Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Payment Example: A $10,000 Snowmobile/Jet Ski/ATV/Scooter loan with a rate 5.74% for 60 months, monthly payment is approximately $192.12. Total finance charge is approximately $1,527.28.

HRCU does not finance model years older than 2013.


RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Tuesday, December 6, 2022

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2020 or Newer36 Months5.74%100% LTV$15,000$30.30Apply Now
48 Months5.74%100% LTV$15,000$23.37Apply Now
60 Months5.99%100% LTV$15,000$19.33Apply Now
72 Months6.24%100% LTV$15,000$16.69Apply Now
84 Months6.49%100% LTV$20,000$14.84Apply Now
120 Months6.74%100% LTV$25,000$11.48Apply Now
144 Months6.99%100% LTV$30,000$10.28Apply Now
180 Months6.99%100% LTV$30,000$8.98Apply Now
2013 - 201936 Months6.24%100% LTV$15,000$30.53Apply Now
48 Months6.24%100% LTV$15,000$23.60Apply Now
60 Months6.24%100% LTV$15,000$19.44Apply Now
72 Months6.49%100% LTV$15,000$16.81Apply Now
84 Months6.74%100% LTV$20,000$14.97Apply Now
120 Months6.99%100% LTV$25,000$11.61Apply Now
144 Months7.74%100% LTV$30,000$10.68Apply Now
180 Months7.74%100% LTV$30,000$9.41Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Payment example: A $30,000 loan with a rate of 6.74% for 120 months, monthly payment is approximately $344.32. Total finance charge is approximately $11,318.25.

HRCU does not finance model years older than 2013.


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

Effective Date: Tuesday, December 6, 2022

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

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2013 or Newer24 Months5.49%100% LTV$5,000$44.09Apply Now
36 Months5.49%100% LTV$5,000$30.19Apply Now
48 Months5.74%100% LTV$5,000$23.37Apply Now
60 Months5.74%100% LTV$10,000$19.21Apply Now
72 Months6.74%100% LTV$15,000$16.92Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Payment Example: A $10,000 loan with a rate of 5.74% for 60 months, monthly payment is approximately $192.12. Total finance charge is approximately $1,527.28.

HRCU does not finance model years older than 2013.

Calculators

As you make plans to pursue your goals, these calculators can help you get your finances in order.