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Auto Purchase Rates

Effective Date: Wednesday, November 25, 2020

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months2.74%125% LTV$5,000$17.07Apply Now
64 - 75 Months3.24%125% LTV$15,000$14.75Apply Now
76 - 84 Months4.39%125% LTV$20,000$13.85Apply Now
2013 - 201724 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.74%125% LTV$15,000$14.98Apply Now
76 - 84 Months4.89%125% LTV$20,000$14.09Apply Now
2011 - 201224 - 63 Months5.99%125% LTV$5,000$18.55Apply 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 2011. 


Auto Refinance Rates

Effective Date: Wednesday, November 25, 2020

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2018 - 202124 - 63 Months2.74%125% LTV$5,000$17.07Apply Now
64 - 75 Months3.24%125% LTV$15,000$14.75Apply Now
76 - 84 Months4.39%125% LTV$20,000$13.85Apply Now
2013 - 201724 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.74%125% LTV$15,000$14.98Apply Now
76 - 84 Months4.89%125% LTV$20,000$14.09Apply Now
2011 - 201224 - 63 Months5.99%125% LTV$5,000$18.55Apply 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 2011.


Motorcycle Loan Rates

Effective Date: Wednesday, November 25, 2020

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 Months3.49%100% LTV$15,000$22.56Apply Now
49 - 60 Months3.99%100% LTV$20,000$18.42Apply Now
61 - 72 Months4.49%100% LTV$20,000$15.88Apply 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 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.


Classic Car

Effective Date: Wednesday, November 25, 2020

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 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.


Boats

Effective Date: Wednesday, November 25, 2020

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2014 or Newer Models36-60 Months3.99%100% LTV$5,000$18.42Apply Now
61-84 Months4.99%100% LTV$10,000$14.14Apply Now
120 Months5.99%100% LTV$25,000$11.10Apply Now
2008 to 2013 Models36-60 Months4.24%100% LTV$5,000$18.53Apply Now
61-84 Months5.24%100% LTV$10,000$14.25Apply Now
120 Months6.24%100% LTV$10,000$11.23Apply 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.


Snowmobiles, Jetskis & ATVs

Effective Date: Wednesday, November 25, 2020

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 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.


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

Effective Date: Wednesday, November 25, 2020

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

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2008 or Newer36 Months3.99%100% LTV$15,000$29.52Apply Now
48 Months3.99%100% LTV$15,000$22.58Apply Now
60 Months3.99%100% LTV$15,000$18.42Apply Now
72 Months4.99%100% LTV$15,000$16.11Apply Now
84 Months4.99%100% LTV$20,000$14.14Apply Now
120 Months5.99%100% LTV$25,000$11.10Apply 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.


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

Effective Date: Wednesday, November 25, 2020

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 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.

Calculators

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