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Auto Purchase Rates

Effective Date: Tuesday, March 28, 2023

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months5.74%115% LTV$5,000$23.37Apply Now
49 - 63 Months5.99%115% LTV$15,000$18.54Apply Now
64 - 75 Months6.49%115% LTV$20,000$16.26Apply Now
76 - 84 Months7.49%115% LTV$20,000$15.33Apply Now
2015 - 20190 - 48 Months5.99%115% LTV$5,000$23.48Apply Now
49 - 63 Months6.49%115% LTV$15,000$18.77Apply Now
64 - 75 Months6.99%115% LTV$20,000$16.50Apply Now
76 - 84 Months7.99%115% LTV$20,000$15.58Apply Now
2013 - 201424 - 63 Months8.49%100% LTV$5,000$19.73Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 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.


Auto Refinance Rates

Effective Date: Tuesday, March 28, 2023

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2020 - 20230 - 48 Months5.74%115% LTV$5,000$23.37Apply Now
24 - 63 Months5.99%115% LTV$15,000$18.54Apply Now
64 - 75 Months6.49%115% LTV$20,000$16.26Apply Now
76-84 Months7.49%115% LTV$20,000$15.33Apply Now
2015 - 20190 - 48 Months5.99%115% LTV$5,000$23.48Apply Now
24 - 63 Months6.49%115% LTV$15,000$18.77Apply Now
64 - 75 Months6.99%115% LTV$20,000$16.50Apply Now
76 - 84 Months7.99%115% LTV$20,000$15.58Apply Now
2013 - 201424 - 63 Months8.49%100% LTV$5,000$19.73Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2013 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.


Motorcycle Loan Rates

Effective Date: Tuesday, March 28, 2023

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 - 202324 - 36 Months6.99%100% LTV$5,000$30.87Apply Now
37 - 48 Months7.24%100% LTV$15,000$24.06Apply Now
49 - 60 Months7.49%100% LTV$20,000$20.03Apply Now
61 - 72 Months7.74%100% LTV$20,000$17.41Apply Now
2013 - 201924 - 36 Months8.24%100% LTV$5,000$31.45Apply Now
37 - 48 Months8.24%100% LTV$15,000$24.53Apply Now
49 - 60 Months8.24%100% LTV$20,000$20.39Apply Now
61 - 72 Months8.74%100% LTV$20,000$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).


Classic Car

Effective Date: Tuesday, March 28, 2023

Classic Car

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Classic Car24 Months8.74%80% LTV$5,000$45.57Apply Now
36 Months8.99%80% LTV$5,000$31.80Apply Now
48 Months9.24%80% LTV$5,000$25.00Apply Now
60 Months9.24%80% LTV$10,000$20.88Apply 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 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: Tuesday, March 28, 2023

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 Months8.24%100% LTV$10,000$17.84Apply Now
72-84 Months8.49%100% LTV$25,000$15.83Apply 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 Months7.99%100% LTV$5,000$20.55Apply Now
60-71 Months8.49%100% LTV$10,000$17.97Apply Now
72-84 Months8.74%100% LTV$25,000$15.96Apply Now
85-120 Months8.99%100% LTV$30,000$12.66Apply Now
144-180 Months9.24%100% LTV$30,000$10.29Apply 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.


Snowmobiles, Jetskis, ATVs and Scooters

Effective Date: Tuesday, March 28, 2023

Snowmobiles, Jetskis, ATVs and Scooters

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 and Newer24 months6.99%100% LTV$5,000$44.77Apply Now
36 Months6.99%100% LTV$5,000$30.87Apply Now
48 Months7.24%100% LTV$5,000$24.06Apply Now
60 Months7.49%100% LTV$10,000$20.03Apply Now
72 Months7.99%100% LTV$15,000$17.53Apply Now
2013 - 201924 Months7.74%100% LTV$15,000$45.11Apply Now
36 Months7.74%100% LTV$15,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months8.24%100% LTV$15,000$20.39Apply Now
72 Months9.24%100% LTV$15,000$18.14Apply 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: Tuesday, March 28, 2023

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2020 or Newer36 Months7.74%100% LTV$15,000$31.22Apply Now
48 Months7.74%100% LTV$15,000$24.29Apply Now
60 Months7.99%100% LTV$15,000$20.27Apply Now
72 Months8.24%100% LTV$15,000$17.65Apply Now
84 Months8.49%100% LTV$20,000$15.83Apply Now
120 Months8.74%100% LTV$25,000$12.53Apply Now
144 Months9.24%100% LTV$30,000$11.52Apply Now
180 Months9.24%100% LTV$30,000$10.29Apply Now
2013 - 201936 Months7.99%100% LTV$15,000$31.33Apply Now
48 Months7.99%100% LTV$15,000$24.41Apply Now
60 Months7.99%100% LTV$15,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply Now
84 Months8.74%100% LTV$20,000$15.96Apply Now
120 Months8.99%100% LTV$25,000$12.66Apply Now
144 Months9.49%100% LTV$30,000$11.66Apply Now
180 Months9.49%100% LTV$30,000$10.44Apply 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.


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

Effective Date: Tuesday, March 28, 2023

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

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2013 or Newer24 Months6.99%100% LTV$5,000$44.77Apply Now
36 Months6.99%100% LTV$5,000$30.87Apply Now
48 Months7.24%100% LTV$5,000$24.06Apply Now
60 Months7.49%100% LTV$10,000$20.03Apply Now
72 Months7.99%100% LTV$15,000$17.53Apply 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.