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Auto Purchase Rates

Effective Date: Saturday, August 13, 2022

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 20220 - 48 Months2.99%125% LTV$5,000$22.13Apply Now
24 - 63 Months3.24%125% LTV$15,000$17.28Apply Now
64 - 75 Months3.74%125% LTV$20,000$14.97Apply Now
76 - 84 Months4.74%125% LTV$5,000$14.01Apply Now
2014 - 20180 - 48 Months3.24%125% LTV$5,000$22.24Apply Now
24 - 63 Months3.49%125% LTV$15,000$17.39Apply Now
64 - 75 Months3.99%125% LTV$20,000$15.09Apply Now
76 - 84 Months4.99%125% LTV$5,000$14.13Apply Now
2012 - 201324 - 63 Months6.55%100% LTV$5,000$18.80Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 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 3.24% for 63 months, monthly payment is $345.65, total finance charges are $1,776.12.

HRCU does not finance model years older than 2012. Refinancing for non-HRCU loans only.


Auto Refinance Rates

Effective Date: Saturday, August 13, 2022

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 20220 - 48 Months2.99%125% LTV$5,000$22.13Apply Now
24 - 63 Months3.24%125% LTV$15,000$17.28Apply Now
64 - 75 Months3.74%125% LTV$20,000$14.97Apply Now
76-84 Months4.74%125% LTV$5,000$14.01Apply Now
2014 - 20180 - 48 Months3.24%125% LTV$5,000$22.24Apply Now
49 - 63 Months3.49%125% LTV$15,000$17.39Apply Now
64 - 75 Months3.99%125% LTV$20,000$15.09Apply Now
76 - 84 Months4.99%125% LTV$5,000$14.13Apply Now
2012 - 201324 - 63 Months6.55%100% LTV$5,000$18.80Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 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 2.69% for 63 months, monthly payment is $340.76, total finance charges are $1,467.85.

HRCU does not finance model years older than 2012. Refinancing for non-HRCU loans only.


Motorcycle Loan Rates

Effective Date: Saturday, August 13, 2022

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2019 - 202224 - 36 Months3.49%100% LTV$5,000$29.30Apply Now
37 - 48 Months3.74%100% LTV$15,000$22.46Apply Now
49 - 60 Months3.99%100% LTV$20,000$18.41Apply Now
61 - 72 Months4.49%100% LTV$20,000$15.87Apply Now
2014 - 201824 - 36 Months4.24%100% LTV$20,000$29.63Apply Now
37 - 48 Months4.24%100% LTV$20,000$29.69Apply Now
49 - 60 Months4.49%100% LTV$20,000$18.64Apply Now
61 - 72 Months5..24%100% LTV$20,000$16.22Apply 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 3.99% for 60 months, monthly payment is approximately $276.18. Total finance charge is approximately $1,570.81.

HRCU does not finance model years older than 2012.


Classic Car

Effective Date: Saturday, August 13, 2022

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 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 7.99% for 48 months, monthly payment is approximately $244.09. Total finance charge is approximately $1,715.81.


Boats

Effective Date: Saturday, August 13, 2022

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2019 or Newer Models36-60 Months4.49%100% LTV$5,000$18.64Apply Now
61-84 Months4.99%100% LTV$10,000$14.13Apply Now
120 Months5.24%100% LTV$25,000$10.72Apply Now
144 Months5.74%100% LTV$30,000$9.62Apply Now
180 Months5.74%100% LTV$30,000$8.30Apply Now
2012 to 2018 Models36-60 Months5.49%100% LTV$5,000$19.10Apply Now
61-84 Months5.49%100% LTV$10,000$14.37Apply Now
120 Months5.49%100% LTV$25,000$10.85Apply Now
144 Months6.49%100% LTV$30,000$10.01Apply Now
180 Months6.74%100% LTV$30,000$8.84Apply 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 5.24% for 120 months, monthly payment is approximately $268.11. Total finance charge is approximately $7,172.75.

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: Saturday, August 13, 2022

Snowmobiles, Jetskis, ATVs and Scooters

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2019 and Newer24 months3.74%100% LTV$5,000$43.31Apply Now
36 Months3.74%100% LTV$5,000$29.41Apply Now
48 Months3.74%100% LTV$5,000$22.46Apply Now
60 Months3.99%100% LTV$10,000$18.41Apply Now
72 Months4.24%100% LTV$15,000$15.75Apply Now
2012 - 201824 Months5.24%100% LTV$15,000$43.98Apply Now
36 Months5.24%100% LTV$15,000$30.08Apply Now
48 Months5.24%100% LTV$15,000$23.14Apply Now
60 Months5.49%100% LTV$15,000$19.10Apply Now
72 Months5.99%100% LTV$15,000$16.57Apply 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 of 3.99% for 60 months, monthly payment is approximately $184.12. Total finance charge is approximately $1,047.21.

HRCU does not finance model years older than 2012.


RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Saturday, August 13, 2022

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2019 or Newer36 Months4.49%100% LTV$15,000$29.74Apply Now
48 Months4.49%100% LTV$15,000$22.80Apply Now
60 Months4.49%100% LTV$15,000$18.64Apply Now
72 Months4.74%100% LTV$15,000$15.98Apply Now
84 Months4.99%100% LTV$20,000$14.13Apply Now
120 Months5.24%100% LTV$25,000$10.72Apply Now
144 Months5.74%100% LTV$30,000$9.62Apply Now
180 Months5.74%100% LTV$30,000$8.30Apply Now
2012 - 201836 Months5.24%100% LTV$30,000$30.08Apply Now
48 Months5.24%100% LTV$30,000$23.14Apply Now
60 Months5.49%100% LTV$30,000$19.10Apply Now
72 Months5.49%100% LTV$30,000$16.33Apply Now
84 Months5.49%100% LTV$30,000$14.37Apply Now
120 Months5.74%100% LTV$30,000$10.97Apply Now
144 Months6.49%100% LTV$30,000$10.01Apply Now
180 Months6.49%100% LTV$30,000$8.71Apply 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 5.24% for 120 months, monthly payment is approximately $321.73. Total finance charge is approximately $8,607.30.

HRCU does not finance model years older than 2012.


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

Effective Date: Saturday, August 13, 2022

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

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2012 or Newer24 Months3.74%100% LTV$5,000$43.31Apply Now
36 Months3.74%100% LTV$5,000$29.41Apply Now
48 Months3.74%100% LTV$5,000$22.46Apply Now
60 Months3.99%100% LTV$10,000$18.42Apply Now
72 Months4.49%100% LTV$15,000$15.87Apply 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 3.99% for 60 months, monthly payment is approximately $184.12. Total finance charge is approximately $1,047.21.

HRCU does not finance model years older than 2012.

Calculators

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