Calculators
As you make plans to pursue your goals, these calculators can help you get your finances in order.
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Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2019 - 2022 | 24 - 63 Months | 2.19% | 125% LTV | $5,000 | $16.82 | Apply Now |
| 64 - 75 Months | 2.79% | 125% LTV | $15,000 | $14.55 | Apply Now | |
| 76 - 84 Months | 3.69% | 125% LTV | $20,000 | $13.53 | Apply Now | |
| 2014 - 2018 | 24 - 63 Months | 2.54% | 125% LTV | $5,000 | $16.98 | Apply Now |
| 64 - 75 Months | 3.14% | 125% LTV | $15,000 | $14.71 | Apply Now | |
| 76 - 84 Months | 4.04% | 125% LTV | $20,000 | $13.69 | Apply Now | |
| 2012 - 2013 | 24 - 63 Months | 4.79% | 100% LTV | $5,000 | $17.99 | Apply 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. 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 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.
HRCU does not finance model years older than 2012.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2019 - 2022 | 24 - 63 Months | 2.19% | 125% LTV | $5,000 | $16.82 | Apply Now |
| 64 - 75 Months | 2.79% | 125% LTV | $15,000 | $14.55 | Apply Now | |
| 76 - 84 Months | 3.69% | 125% LTV | $20,000 | $13.53 | Apply Now | |
| 2014 - 2018 | 24 - 63 Months | 2.54% | 125% LTV | $5,000 | $16.98 | Apply Now |
| 64 - 75 Months | 3.14% | 125% LTV | $15,000 | $14.71 | Apply Now | |
| 76 - 84 Months | 4.04% | 125% LTV | $20,000 | $13.69 | Apply Now | |
| 2012 - 2013 | 24 - 63 Months | 4.79% | 100% LTV | $5,000 | $17.99 | Apply 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. 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 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.
HRCU does not finance model years older than 2012.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Motorcycles | 24 - 36 Months | 2.99% | 100% LTV | $5,000 | $29.08 | Apply Now |
| 37 - 48 Months | 2.99% | 100% LTV | $15,000 | $22.13 | Apply Now | |
| 49 - 60 Months | 3.49% | 100% LTV | $20,000 | $18.19 | Apply Now | |
| 61 - 72 Months | 3.99% | 100% LTV | $20,000 | $15.64 | Apply 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.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Classic Car | 24 Months | 7.49% | 80% LTV | $5,000 | $45.00 | Apply Now |
| 36 Months | 7.74% | 80% LTV | $5,000 | $31.22 | Apply Now | |
| 48 Months | 7.99% | 80% LTV | $5,000 | $24.42 | Apply Now | |
| 60 Months | 7.99% | 80% LTV | $10,000 | $20.28 | Apply 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.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Minimum Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2016 or Newer Models | 36-60 Months | 2.99% | 100% LTV | $5,000 | $17.96 | Apply Now |
| 61-84 Months | 3.99% | 100% LTV | $10,000 | $13.66 | Apply Now | |
| 120 Months | 4.99% | 100% LTV | $25,000 | $10.60 | Apply Now | |
| 144 Months | 5.49% | 100% LTV | $30,000 | $9.50 | Apply Now | |
| 180 Months | 5.49% | 100% LTV | $30,000 | $8.17 | Apply Now | |
| 2010 to 2015 Models | 36-60 Months | 3.24% | 100% LTV | $5,000 | $18.08 | Apply Now |
| 61-84 Months | 4.24% | 100% LTV | $10,000 | $13.78 | Apply Now | |
| 120 Months | 5.24% | 100% LTV | $25,000 | $10.72 | Apply Now | |
| 144 Months | 5.49% | 100% LTV | $30,000 | $9.50 | Apply Now | |
| 180 Months | 5.49% | 100% LTV | $30,000 | $8.17 | Apply 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.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| Snowmobiles, Jetskis & ATVs | 24 months | 3.99% | 100% LTV | $5,000 | $43.43 | Apply Now |
| 36 Months | 3.99% | 100% LTV | $5,000 | $29.53 | Apply Now | |
| 48 Months | 4.49% | 100% LTV | $5,000 | $22.80 | Apply Now | |
| 60 Months | 4.99% | 100% LTV | $10,000 | $18.79 | Apply Now | |
| 72 Months | 5.99% | 100% LTV | $15,000 | $16.58 | Apply 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.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance up to | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2011 or Newer | 36 Months | 2.99% | 100% LTV | $15,000 | $29.08 | Apply Now |
| 48 Months | 2.99% | 100% LTV | $15,000 | $22.13 | Apply Now | |
| 60 Months | 3.49% | 100% LTV | $15,000 | $18.19 | Apply Now | |
| 72 Months | 3.99% | 100% LTV | $15,000 | $15.64 | Apply Now | |
| 84 Months | 3.99% | 100% LTV | $20,000 | $13.66 | Apply Now | |
| 120 Months | 4.99% | 100% LTV | $25,000 | $10.60 | Apply Now | |
| 144 Months | 5.49% | 100% LTV | $30,000 | $9.50 | Apply Now | |
| 180 Months | 5.49% | 100% LTV | $30,000 | $8.17 | Apply 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.
Effective Date: Friday, December 3, 2021
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2010 or Newer | 24 Months | 3.99% | 100% LTV | $5,000 | $43.43 | Apply Now |
| 36 Months | 3.99% | 100% LTV | $5,000 | $29.53 | Apply Now | |
| 48 Months | 4.49% | 100% LTV | $5,000 | $22.80 | Apply Now | |
| 60 Months | 4.99% | 100% LTV | $10,000 | $18.79 | Apply Now | |
| 72 Months | 5.99% | 100% LTV | $15,000 | $16.58 | Apply 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.
As you make plans to pursue your goals, these calculators can help you get your finances in order.
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