Skip to main content
Online Banking

Auto Purchase Rates

Effective Date: Sunday, May 24, 2020

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2017 & Newer24 - 63 Months2.99%125% LTV$5,000$17.18Apply Now
64 - 75 Months3.39%125% LTV$15,000$14.82Apply Now
76 - 84 Months4.59%125% LTV$20,000$13.95Apply Now
2012 - 201624 - 63 Months3.24%125% LTV$5,000$17.29Apply Now
64 - 75 Months3.84%125% LTV$15,000$15.03Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2010 - 201124 - 63 Months5.74%125% LTV$5,000$18.43Apply 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 2010. 


Auto Refinance Rates

Effective Date: Sunday, May 24, 2020

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2017 & Newer24 - 63 Months2.99%125% LTV$5,000$17.18Apply Now
64 - 75 Months3.39%125% LTV$15,000$14.82Apply Now
76 - 84 Months4.59%125% LTV$20,000$13.95Apply Now
2012 - 201624 - 63 Months3.24%125% LTV$5,000$17.29Apply Now
64 - 75 Months3.84%125% LTV$15,000$15.03Apply Now
76 - 84 Months4.99%125% LTV$20,000$14.14Apply Now
2010 - 201124 - 63 Months5.74%125% LTV$5,000$18.43Apply 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 2010.

Must meet all promotional requirements to be eligible for $25 Amazon e-card. $25 Amazon e-card provided on approved and closed loans only and provided via e-mail after loan closing (exceptions may be made for those without an email address). Limited time offer. HRCU reserves the right to shut down promotion at any time.


Motorcycle Loan Rates

Effective Date: Sunday, May 24, 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: Sunday, May 24, 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: Sunday, May 24, 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: Sunday, May 24, 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: Sunday, May 24, 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: Sunday, May 24, 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.