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Auto Purchase Rates

Effective Date: Tuesday, December 11, 2018

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2016 & Newer24 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.99%125% LTV$15,000$15.09Apply Now
76 - 84 Months4.49%125% LTV$20,000$13.90Apply Now
2011 - 201524 - 63 Months3.74%125% LTV$5,000$17.51Apply Now
64 - 75 Months4.24%125% LTV$15,000$15.21Apply Now
76 - 84 Months5.24%125% LTV$20,000$14.25Apply Now
2009 - 201024 - 63 Months4.24%125% LTV$5,000$17.74Apply 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 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 $1,014.22.
HRCU does not finance model years older than 2009.


Auto Refinance Rates

Effective Date: Tuesday, December 11, 2018

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2016 & Newer24 - 63 Months3.49%125% LTV$5,000$17.40Apply Now
64 - 75 Months3.99%125% LTV$15,000$15.09Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2011 - 201524 - 63 Months3.74%125% LTV$5,000$17.51Apply Now
64 - 75 Months4.24%125% LTV$15,000$15.21Apply Now
76 - 84 Months5.24%125% LTV$20,000$14.25Apply Now
2009 - 201024 - 63 Months4.24%125% LTV$5,000$17.74Apply 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 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 $1,014.22.
HRCU does not finance model years older than 2009. 


Motorcycle Loan Rates

Effective Date: Tuesday, December 11, 2018

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: Tuesday, December 11, 2018

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: Tuesday, December 11, 2018

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2014 or Newer Models36-60 Months5.49%100% LTV$5,000$19.11Apply Now
61-84 Months5.99%100% LTV$10,000$14.61Apply Now
120 Months6.24%100% LTV$25,000$11.23Apply Now
2008 to 2013 Models36-60 Months5.74%100% LTV$5,000$19.22Apply Now
61-84 Months6.24%100% LTV$10,000$14.74Apply Now
120 Months6.49%100% LTV$10,000$11.36Apply 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 $331.50. Total finance charge is approximately $3,867.73.

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: Tuesday, December 11, 2018

Snowmobiles, Jetskis & ATVs

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Snowmobiles, Jetskis & ATVs24 months6.74%100% LTV$5,000$44.66Apply Now
36 Months6.74%100% LTV$5,000$30.77Apply Now
48 Months6.74%100% LTV$5,000$28.83Apply Now
60 Months7.49%100% LTV$10,000$20.04Apply Now
72 Months7.99%100% LTV$15,000$17.54Apply 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 $5,000 Snowmobile/Jet Ski/ATV loan with a rate of 6.74% for 48 months, monthly payment is approximately $118.58. Total finance charge is approximately $691.76.

HRCU does not finance model years older than 2008.


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

Effective Date: Tuesday, December 11, 2018

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

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2007 or Newer36 Months4.49%100% LTV$15,000$24.75Apply Now
48 Months5.49%100% LTV$15,000$23.26Apply Now
60 Months5.74%100% LTV$15,000$19.22Apply Now
72 Months6.24%100% LTV$15,000$16.69Apply Now
84 Months6.24%100% LTV$20,000$16.69Apply Now
120 Months6.24%100% LTV$25,000$16.69Apply 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 5.74% for 60 months, monthly payment is approximately $576.41. Total finance charge is approximately $4,594.63.

HRCU does not finance model years older than 2008.


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

Effective Date: Tuesday, December 11, 2018

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

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2007 or Newer24 Months6.74%100% LTV$5,000$44.66Apply Now
36 Months6.74%100% LTV$5,000$30.77Apply Now
48 Months6.74%100% LTV$5,000$23.83Apply Now
60 Months7.49%100% LTV$10,000$20.04Apply Now
72 Months7.99%100% LTV$15,000$17.54Apply 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 2008 to 2013: Add .25% to rate.

Payment Example: A $5,000 loan with a rate of 6.74% for 48 months, monthly payment is approximately $118.58. Total finance charge is approximately $691.76.

HRCU does not finance model years older than 2008.