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Auto Purchase Rates

Effective Date: Monday, July 26, 2021

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months1.89%125% LTV$5,000$16.69Apply Now
64 - 75 Months2.49%125% LTV$15,000$14.42Apply Now
76 - 84 Months3.64%125% LTV$20,000$13.51Apply Now
2013 - 201724 - 63 Months2.24%125% LTV$5,000$16.85Apply Now
64 - 75 Months2.84%125% LTV$15,000$14.57Apply Now
76 - 84 Months3.99%125% LTV$20,000$13.67Apply Now
2011 - 201224 - 63 Months4.49%100% LTV$5,000$17.85Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2011 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 1.89% for 63 months, monthly payment is $250.31, total finance charges are $769.23.

HRCU does not finance model years older than 2011.


Auto Refinance Rates

Effective Date: Monday, July 26, 2021

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months1.89%125% LTV$5,000$16.69Apply Now
64 - 75 Months2.49%125% LTV$15,000$14.42Apply Now
76 - 84 Months3.64%125% LTV$20,000$13.51Apply Now
2013 - 201724 - 63 Months2.24%125% LTV$5,000$16.85Apply Now
64 - 75 Months2.84%125% LTV$15,000$14.57Apply Now
76 - 84 Months3.99%125% LTV$20,000$13.67Apply Now
2011 - 201224 - 63 Months4.49%100% LTV$5,000$17.85Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2011 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 1.89% for 63 months, monthly payment is $250.31, total finance charges are $769.23.

HRCU does not finance model years older than 2011.


Motorcycle Loan Rates

Effective Date: Monday, July 26, 2021

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Motorcycles24 - 36 Months2.99%100% LTV$5,000$29.08Apply Now
37 - 48 Months2.99%100% LTV$15,000$22.13Apply Now
49 - 60 Months3.49%100% LTV$20,000$18.19Apply Now
61 - 72 Months3.99%100% LTV$20,000$15.64Apply 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. Model Year 2011 to 2016: Add .25% to rate.

Payment Example: A $12,000 motorcycle loan with a rate of 3.99% for 61 months, monthly payment is approximately $217.67. Total finance charge is approximately $1,277.93.

HRCU does not finance model years older than 2011.


Classic Car

Effective Date: Monday, July 26, 2021

Classic Car

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Classic Car24 Months7.49%80% LTV$5,000$45.00Apply Now
36 Months7.74%80% LTV$5,000$31.22Apply Now
48 Months7.99%80% LTV$5,000$24.42Apply Now
60 Months7.99%80% LTV$10,000$20.28Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (within past 24 months), 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.


Boats

Effective Date: Monday, July 26, 2021

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2016 or Newer Models36-60 Months2.99%100% LTV$5,000$17.96Apply Now
61-84 Months3.99%100% LTV$10,000$13.66Apply Now
120 Months4.99%100% LTV$25,000$10.60Apply Now
144 Months5.49%100% LTV$30,000$9.50Apply Now
180 Months5.49%100% LTV$30,000$8.17Apply Now
2010 to 2015 Models36-60 Months3.24%100% LTV$5,000$18.08Apply Now
61-84 Months4.24%100% LTV$10,000$13.78Apply Now
120 Months5.24%100% LTV$25,000$10.72Apply Now
144 Months5.49%100% LTV$30,000$9.50Apply Now
180 Months5.49%100% LTV$30,000$8.17Apply 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. Model Year 2010 to 2015: Add .25% to rate.

Payment Example: A $25,000 boat loan with a rate of 3.99% for 72 months, monthly payment is approximately $391.02. Total finance charge is approximately $3,153.13.

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

Effective Date: Monday, July 26, 2021

Snowmobiles, Jetskis & ATVs

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Snowmobiles, Jetskis & ATVs24 months3.99%100% LTV$5,000$43.43Apply Now
36 Months3.99%100% LTV$5,000$29.53Apply Now
48 Months4.49%100% LTV$5,000$22.80Apply Now
60 Months4.99%100% LTV$10,000$18.79Apply Now
72 Months5.99%100% LTV$15,000$16.58Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (within past 24 months), 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.


RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Monday, July 26, 2021

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2011 or Newer36 Months2.99%100% LTV$15,000$29.08Apply Now
48 Months2.99%100% LTV$15,000$22.13Apply Now
60 Months3.49%100% LTV$15,000$18.19Apply Now
72 Months3.99%100% LTV$15,000$15.64Apply Now
84 Months3.99%100% LTV$20,000$13.66Apply Now
120 Months4.99%100% LTV$25,000$10.60Apply Now
144 Months5.49%100% LTV$30,000$9.50Apply Now
180 Months5.49%100% LTV$30,000$8.17Apply 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. Add .50% to the rate for 91% - 100% LTV ratios. Model Year 2011 to 2016: Add .25% to rate.

Payment example: A $30,000 loan with a rate of 3.99% for 72 months, monthly payment is approximately $469.22. Total finance charge is approximately $3,783.75.

HRCU does not finance model years older than 2011.


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

Effective Date: Monday, July 26, 2021

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$43.43Apply Now
36 Months3.99%100% LTV$5,000$29.53Apply Now
48 Months4.49%100% LTV$5,000$22.80Apply Now
60 Months4.99%100% LTV$10,000$18.79Apply Now
72 Months5.99%100% LTV$15,000$16.58Apply 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 existing/refinanced loan, active VISA, or mortgage/home equity product (within past 24 months), 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.

Calculators

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