Vehicle & Motorcycle Loan Rates

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2011 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 2.49% for 63 months, monthly payment is $254.23, total finance charges are $1,016.20.

HRCU does not finance model years older than 2011.

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Must be 18 years old to qualify for a loan. Vehicle must be model year 2011 or newer. Existing HRCU loans not eligible. Standard underwriting guidelines apply. Reward equal to 1% (one percent) of loan financed amount with a maximum reward of $400 (four hundred dollars). If you participate in this offer: 1) you may receive Form 1099-MISC at year end; 2) the 1% cash back reward will be forfeited and added to the payoff amount if the loan is closed within 6 (six) months of opening. Membership with a savings account at HRCU is required to participate in the offer. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information. HRCU reserves the right to end the promotion at any time. Limited time offer.

Payment Example: A $15,000 loan with a rate of 2.49% for 63 months, monthly payment is $254.23, total finance charges are $1,016.20.

HRCU does not finance model years older than 2011.

*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 2008 to 2013: 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.

*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.

*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.

*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.

*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.

*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.