Online Banking
Online Banking
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2017 & Newer | 24 - 63 Months | 3.24% | 125% LTV | $5,000 | $17.29 | Apply Now |
| 64 - 75 Months | 3.49% | 125% LTV | $15,000 | $14.86 | Apply Now | |
| 76 - 84 Months | 4.74% | 125% LTV | $20,000 | $14.02 | Apply Now | |
| 2012 - 2016 | 24 - 63 Months | 3.34% | 125% LTV | $5,000 | $17.35 | Apply Now |
| 64 - 75 Months | 3.89% | 125% LTV | $15,000 | $15.05 | Apply Now | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $14.13 | Apply Now | |
| 2010 - 2011 | 24 - 63 Months | 5.25% | 125% LTV | $5,000 | $18.20 | Apply 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 2010. Existing HRCU auto loans not eligible for $25 gas card. Must meet all promotional requirements to be eligible for $25 gas card. $25 Gas card provided on approved and closed loans only and provided at time of loan closing. Limited time offer. HRCU reserves the right to shut down promotion at any time.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2017 & Newer | 24 - 63 Months | 3.24% | 125% LTV | $5,000 | $17.29 | Apply Now |
| 64 - 75 Months | 3.49% | 125% LTV | $15,000 | $14.86 | Apply Now | |
| 76 - 84 Months | 4.74% | 125% LTV | $20,000 | $14.02 | Apply Now | |
| 2012 - 2016 | 24 - 63 Months | 3.34% | 125% LTV | $5,000 | $17.35 | Apply Now |
| 64 - 75 Months | 3.89% | 125% LTV | $15,000 | $15.05 | Apply Now | |
| 76 - 84 Months | 4.99% | 125% LTV | $20,000 | $14.13 | Apply Now | |
| 2010 - 2011 | 24 - 63 Months | 5.25% | 125% LTV | $5,000 | $18.20 | Apply 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 2010. Existing HRCU auto loans not eligible for $25 gas card. Must meet all promotional requirements to be eligible for $25 gas card. $25 Gas card provided on approved and closed loans only and provided at time of loan closing. Limited time offer. HRCU reserves the right to shut down promotion at any time.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Motorcycles | 24 - 36 Months | 2.99% | 100% LTV | $5,000 | $29.08 | Apply Now |
| 37 - 48 Months | 3.49% | 100% LTV | $15,000 | $22.56 | Apply Now | |
| 49 - 60 Months | 3.99% | 100% LTV | $20,000 | $18.42 | Apply Now | |
| 61 - 72 Months | 4.49% | 100% LTV | $20,000 | $15.88 | Apply 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 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.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Classic Car | 24 Months | 7.49% | 80% LTV | $5,000 | $45.00 | Apply Now |
| 36 Months | 7.74% | 80% LTV | $5,000 | $31.22 | Apply Now | |
| 48 Months | 7.99% | 80% LTV | $5,000 | $24.42 | Apply Now | |
| 60 Months | 7.99% | 80% LTV | $10,000 | $20.28 | Apply 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 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.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Minimum Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2014 or Newer Models | 36-60 Months | 3.99% | 100% LTV | $5,000 | $18.42 | Apply Now |
| 61-84 Months | 4.99% | 100% LTV | $10,000 | $14.14 | Apply Now | |
| 120 Months | 5.99% | 100% LTV | $25,000 | $11.10 | Apply Now | |
| 2008 to 2013 Models | 36-60 Months | 4.24% | 100% LTV | $5,000 | $18.53 | Apply Now |
| 61-84 Months | 5.24% | 100% LTV | $10,000 | $14.25 | Apply Now | |
| 120 Months | 6.24% | 100% LTV | $10,000 | $11.23 | Apply 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 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 $322.03. Total finance charge is approximately $3,185.87.
Boats over 10 years old will be reviewed on a case-by-case basis, and may be subject to an additional .50% rate increase.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Snowmobiles, Jetskis & ATVs | 24 months | 3.99% | 100% LTV | $5,000 | $43.43 | Apply Now |
| 36 Months | 3.99% | 100% LTV | $5,000 | $29.53 | Apply Now | |
| 48 Months | 4.49% | 100% LTV | $5,000 | $22.80 | Apply Now | |
| 60 Months | 4.99% | 100% LTV | $10,000 | $18.79 | Apply Now | |
| 72 Months | 5.99% | 100% LTV | $15,000 | $16.58 | Apply 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 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.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance up to | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2008 or Newer | 36 Months | 3.99% | 100% LTV | $15,000 | $29.52 | Apply Now |
| 48 Months | 3.99% | 100% LTV | $15,000 | $22.58 | Apply Now | |
| 60 Months | 3.99% | 100% LTV | $15,000 | $18.42 | Apply Now | |
| 72 Months | 4.99% | 100% LTV | $15,000 | $16.11 | Apply Now | |
| 84 Months | 4.99% | 100% LTV | $20,000 | $14.14 | Apply Now | |
| 120 Months | 5.99% | 100% LTV | $25,000 | $11.10 | Apply 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 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 3.99% for 60 months, monthly payment is approximately $552.39. Total finance charge is approximately $3,142.84.
HRCU does not finance model years older than 2008.
Effective Date: Sunday, February 23, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2010 or Newer | 24 Months | 3.99% | 100% LTV | $5,000 | $43.43 | Apply Now |
| 36 Months | 3.99% | 100% LTV | $5,000 | $29.53 | Apply Now | |
| 48 Months | 4.49% | 100% LTV | $5,000 | $22.80 | Apply Now | |
| 60 Months | 4.99% | 100% LTV | $10,000 | $18.79 | Apply Now | |
| 72 Months | 5.99% | 100% LTV | $15,000 | $16.58 | Apply 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). 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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