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Auto Purchase Rates

Effective Date: Thursday, June 20, 2024

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months5.74%125% LTV$5,000$23.37Apply Now
49 - 63 Months5.99%125% LTV$15,000$18.54Apply Now
64 - 75 Months6.74%125% LTV$20,000$16.38Apply Now
76 - 84 Months7.74%125% LTV$20,000$15.46Apply Now
2016 - 20200 - 48 Months6.24%125% LTV$5,000$23.60Apply Now
49 - 63 Months6.49%125% LTV$15,000$18.77Apply Now
64 - 75 Months7.24%125% LTV$20,000$16.62Apply Now
76 - 84 Months7.99%125% LTV$20,000$15.58Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2014 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 877-895-6840 for more information. 


Auto Refinance Rates

Effective Date: Thursday, June 20, 2024

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2021 - 20240 - 48 Months5.74%125% LTV$5,000$23.37Apply Now
49 - 63 Months5.99%125% LTV$15,000$18.54Apply Now
64 - 75 Months6.74%125% LTV$20,000$16.38Apply Now
76-84 Months7.74%125% LTV$20,000$15.46Apply Now
2016 - 20200 - 48 Months6.24%125% LTV$5,000$23.60Apply Now
49 - 63 Months6.49%125% LTV$15,000$18.77Apply Now
64 - 75 Months7.24%125% LTV$20,000$16.62Apply Now
76 - 84 Months7.99%125% LTV$20,000$15.58Apply Now
2014 - 201524 - 63 Months9.74%100% LTV$5,000$20.34Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2014 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 877-895-6840 for more information. 


Motorcycle Loan Rates

Effective Date: Thursday, June 20, 2024

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 - 202424 - 36 Months7.99%100% LTV$5,000$31.33Apply Now
37 - 48 Months7.99%100% LTV$15,000$24.41Apply Now
49 - 60 Months8.24%100% LTV$20,000$20.39Apply Now
61 - 72 Months8.99%100% LTV$20,000$18.02Apply Now
2013 - 201924 - 36 Months8.49%100% LTV$5,000$31.56Apply Now
37 - 48 Months8.74%100% LTV$15,000$24.76Apply Now
49 - 60 Months8.99%100% LTV$20,000$20.75Apply Now
61 - 72 Months9.99%100% LTV$20,000$18.52Apply 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).

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.


Classic Car

Effective Date: Thursday, June 20, 2024

Classic Car

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Classic Car24 Months8.99%80% LTV$5,000$45.68Apply Now
36 Months9.24%80% LTV$5,000$31.91Apply Now
48 Months9.49%80% LTV$5,000$25.12Apply Now
60 Months9.74%80% LTV$10,000$21.12Apply 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: Thursday, June 20, 2024

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2020 or Newer Models36-59 Months7.74%100% LTV$5,000$20.43Apply Now
60-71 Months8.49%100% LTV$10,000$19.97Apply Now
72-84 Months8.74%100% LTV$25,000$14.52Apply Now
85-120 Months8.99%100% LTV$30,000$12.66Apply Now
144-180 Months9.24%100% LTV$30,000$10.29Apply Now
2013 to 2019 Models36-59 Months8.74%100% LTV$5,000$20.91Apply Now
60-71 Months9.49%100% LTV$10,000$18.46Apply Now
72-84 Months9.74%100% LTV$25,000$16.47Apply Now
85-120 Months9.99%100% LTV$30,000$13.21Apply Now
144-180 Months10.24%100% LTV$30,000$10.89Apply 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).

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

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.


TOYS: Snowmobiles, Jetskis, ATVs and Scooters

Effective Date: Thursday, June 20, 2024

TOYS: Snowmobiles, Jetskis, ATVs and Scooters

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 and Newer24 months7.74%100% LTV$5,000$45.11Apply Now
36 Months7.74%100% LTV$5,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months7.99%100% LTV$10,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply Now
2013 - 201924 Months8.49%100% LTV$15,000$45.45Apply Now
36 Months8.74%100% LTV$15,000$31.68Apply Now
48 Months8.74%100% LTV$5,000$24.76Apply Now
60 Months8.99%100% LTV$15,000$20.75Apply Now
72 Months9.99%100% LTV$15,000$18.52Apply 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).

HRCU does not finance model years older than 2013.


RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Thursday, June 20, 2024

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2020 or Newer36 Months7.49%100% LTV$15,000$31.10Apply Now
48 Months7.49%100% LTV$15,000$24.17Apply Now
60 Months7.99%100% LTV$15,000$20.27Apply Now
72 Months7.99%100% LTV$15,000$17.53Apply Now
84 Months8.24%100% LTV$20,000$15.71Apply Now
120 Months8.49%100% LTV$25,000$12.39Apply Now
144 Months8.99%100% LTV$30,000$11.37Apply Now
180 Months8.99%100% LTV$30,000$10.14Apply Now
2013 - 201936 Months8.74%100% LTV$15,000$31.68Apply Now
48 Months8.74%100% LTV$15,000$24.76Apply Now
60 Months8.99%100% LTV$15,000$20.75Apply Now
72 Months9.24%100% LTV$15,000$18.14Apply Now
84 Months9.49%100% LTV$20,000$16.34Apply Now
120 Months9.49%100% LTV$25,000$12.93Apply Now
144 Months9.99%100% LTV$30,000$11.95Apply Now
180 Months9.99%100% LTV$30,000$10.74Apply 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).

HRCU does not finance model years older than 2013.

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.


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

Effective Date: Thursday, June 20, 2024

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

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 or Newer24 Months7.74%100% LTV$5,000$45.11Apply Now
36 Months7.74%100% LTV$5,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months7.99%100% LTV$10,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply 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).

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.