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Calculators
As you make plans to pursue your goals, these calculators can help you get your finances in order.
Online Banking
Online Banking
Effective Date: Wednesday, November 25, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2018 - 2021 | 24 - 63 Months | 2.74% | 125% LTV | $5,000 | $17.07 | Apply Now |
| 64 - 75 Months | 3.24% | 125% LTV | $15,000 | $14.75 | Apply Now | |
| 76 - 84 Months | 4.39% | 125% LTV | $20,000 | $13.85 | Apply Now | |
| 2013 - 2017 | 24 - 63 Months | 3.49% | 125% LTV | $5,000 | $17.40 | Apply Now |
| 64 - 75 Months | 3.74% | 125% LTV | $15,000 | $14.98 | Apply Now | |
| 76 - 84 Months | 4.89% | 125% LTV | $20,000 | $14.09 | Apply Now | |
| 2011 - 2012 | 24 - 63 Months | 5.99% | 125% LTV | $5,000 | $18.55 | 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 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 2011.
Effective Date: Wednesday, November 25, 2020
| Type | Term | APR* | Finance Up To | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2018 - 2021 | 24 - 63 Months | 2.74% | 125% LTV | $5,000 | $17.07 | Apply Now |
| 64 - 75 Months | 3.24% | 125% LTV | $15,000 | $14.75 | Apply Now | |
| 76 - 84 Months | 4.39% | 125% LTV | $20,000 | $13.85 | Apply Now | |
| 2013 - 2017 | 24 - 63 Months | 3.49% | 125% LTV | $5,000 | $17.40 | Apply Now |
| 64 - 75 Months | 3.74% | 125% LTV | $15,000 | $14.98 | Apply Now | |
| 76 - 84 Months | 4.89% | 125% LTV | $20,000 | $14.09 | Apply Now | |
| 2011 - 2012 | 24 - 63 Months | 5.99% | 125% LTV | $5,000 | $18.55 | 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 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 2011.
Effective Date: Wednesday, November 25, 2020
| 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 | 3.49% | 100% LTV | $15,000 | $22.56 | Apply Now | |
| 49 - 60 Months | 3.99% | 100% LTV | $20,000 | $18.42 | Apply Now | |
| 61 - 72 Months | 4.49% | 100% LTV | $20,000 | $15.88 | 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 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.
Effective Date: Wednesday, November 25, 2020
| 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 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.
Effective Date: Wednesday, November 25, 2020
| Type | Term | APR* | Finance Up To | Minimum Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2014 or Newer Models | 36-60 Months | 3.99% | 100% LTV | $5,000 | $18.42 | Apply Now |
| 61-84 Months | 4.99% | 100% LTV | $10,000 | $14.14 | Apply Now | |
| 120 Months | 5.99% | 100% LTV | $25,000 | $11.10 | Apply Now | |
| 2008 to 2013 Models | 36-60 Months | 4.24% | 100% LTV | $5,000 | $18.53 | Apply Now |
| 61-84 Months | 5.24% | 100% LTV | $10,000 | $14.25 | Apply Now | |
| 120 Months | 6.24% | 100% LTV | $10,000 | $11.23 | 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 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.
Effective Date: Wednesday, November 25, 2020
| 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 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.
Effective Date: Wednesday, November 25, 2020
| Type | Term | APR* | Finance up to | Min. Finance Amount | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|---|
| 2008 or Newer | 36 Months | 3.99% | 100% LTV | $15,000 | $29.52 | Apply Now |
| 48 Months | 3.99% | 100% LTV | $15,000 | $22.58 | Apply Now | |
| 60 Months | 3.99% | 100% LTV | $15,000 | $18.42 | Apply Now | |
| 72 Months | 4.99% | 100% LTV | $15,000 | $16.11 | Apply Now | |
| 84 Months | 4.99% | 100% LTV | $20,000 | $14.14 | Apply Now | |
| 120 Months | 5.99% | 100% LTV | $25,000 | $11.10 | 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 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.
Effective Date: Wednesday, November 25, 2020
| 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 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.
As you make plans to pursue your goals, these calculators can help you get your finances in order.