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Stability you can count on

With a fixed-rate mortgage, your rate stays the same for the life of your loan–no surprises. Choose from multiple terms and enjoy planning with predictable monthly payments.

• Terms up to 30 years
• Locked-in interest rate for the full term
• Perfect for long-term homeownership and budgeting

Lower rates, more flexibility

An adjustable-rate mortgage (ARM) starts with a low fixed rate, then adjusts over time. It's a smart option if you plan to sell or refinance within a few years.

• Lower initial interest rate compared to fixed-rate mortgages
• Terms of 3/3, 5/5, and 10/1 ARMs
• Ideal for short-term homeownership or future refinancing

We make financing vacation or seasonal properties simple, with great rates and expert guidance every step of the way. Purchases and refinances are welcome (cash-out refinances only available on year-round properties).

How it works:

• Loans for seasonal (spring/summer/fall) properties located in NH only
• For single-family detached dwellings and those with in-law units
• Property must be occupied by owner annually

Put your home’s equity to work with a flexible credit line that’s ready when you need it. From debt consolidation to big life expenses, a HELOC gives you borrowing power with competitive rates and local support.

• Borrow as needed, up to your credit limit
• Enjoy interest-only payments during draw period
• Use funds for renovations, tuition, emergencies, and more

Enjoy predictable payments and peace of mind with a lump sum loan backed by your home’s equity. Great for renovations, debt consolidation, education, and more with competitive rates and trusted local service.

• Fixed interest rate for the life of the loan
• One-time lump sum disbursement
• Clear monthly payments with a set payoff schedule

Get your HRCU auto loan by applying directly at our partner dealerships. Just ask the dealer for HRCU financing. 

Or if you want to know your financial picture before you go, you can get pre-approved with direct financing before you walk into the dealership. Click below to get pre-approved and understand what you can afford. 

• Get your loan and vehicle in one stop
• Exclusive interest rate discounts for our members*
• Enjoy up to 90 days before your first loan payment is due**
• Rates as low as 4.99% APR* for up to 63 months
• Loan held and serviced right here at HRCU

Auto loan refinancing with HRCU is a smart choice when you want to reduce monthly payments, benefit from a credit score boost, or pay off your vehicle loan faster.

• Refinance a new or used vehicle
• Exclusive interest rate discounts for our members*
• Fast, easy application process with same-day decisions
• Loan held and serviced right here at HRCU
• Refinance with rates as low as 4.99% APR* for up to 63 months

Buying out your current auto lease? Apply directly for an auto loan with HRCU. Enjoy ownership with a convenient buyout process and payment plan that works for you.

• Available for new or used vehicles
• Use equity in the vehicle for cash out
• Exclusive interest rate discounts for our members*
• Enjoy up to 90 days before your first loan payment is due**
• Fast, easy application process with same-day decisions
• Loan held and serviced right here at HRCU

When you're a first-time car buyer, the process of choosing a car or truck and applying for an auto loan can be overwhelming. That's why we developed our First-time Car Buyer program to teach you what you need to know before you start signing paperwork...like making sense of rates and terms so you get a loan that's miles better, or unpacking add-ons like Guaranteed Asset Protection (GAP) policies and extended warranties.

So call or come see us before you walk into the dealership. We'll be here for you every step of the way.

Use your savings or CDs as collateral to unlock a lower rate. A secured loan is an easy and smart way to borrow money at a low rate while building or repairing your credit.

How it works:

• Lower interest rates than unsecured loans
• Great option for building or rebuilding your credit
• Borrow without touching your savings
• Fixed monthly payments and clear payoff terms
• Your collateral will be held and become available again once the loan is paid off

Let's be honest, life happens. Whatever your needs, you can get fast access to cash without collateral. Perfect for expenses like medical bills, travel, or debt consolidation.

How it works:

• No collateral required
• Use for anything—no restrictions on spending
• Fixed rates and terms
• Quick approval process
• Borrow up to $25,000
• Credit check and proof of income required

For collectors and dreamers alike—get the financing you need to bring a piece of the past into your garage. 

• Eligible for vehicles 15+ years old and listed in the NADA Classic Guide
• Buy from dealers or private sellers with flexible payment options
• Loan stays with HRCU, with optional protection for your investment

Ride fast on any terrain - no matter the season. We've got the financing to keep your adrenaline flowing.

• Loans available for new or used snowmobiles, jet skis, ATVs, and scooters
• Fast decisions with flexible terms and payment options
• Optional GAP coverage, warranties, and loan protection available

Pack up, hook up, and head out...HRCU is here to help you finance your next great escape.

• Loans available for pop-up campers and truck campers
• Competitive rates, flexible terms, and fast decisions
• Optional loan protection, GAP coverage, and extended warranties

For those that have graduated from tents, we have financing you need to explore the great outdoors in style.

• Available for new or used RVs, motor homes, and travel trailers
• Competitive rates, flexible terms, and fast decisions
• Optional loan protection, GAP coverage, and extended warranties

We want our members to chase sunsets, not financing. That's why we offer fast and easy decisions on motorcycle loans.

• Finance new or used purchases from dealers or private sellers
• Fast loan decisions, flexible payment options, and local servicing
• Optional extended warranties, GAP, and payment protection available

Those summer nights would be better spent offshore! Our members can find financing for nearly every type of watercraft available.

• Finance new or used boats from dealers or private sellers
• Fast decisions, flexible terms, and local loan servicing
• Optional extended warranties, GAP coverage, and loan protection available

Enjoy the flexibility and convenience of our Visa® Platinum credit card, designed to work with your budget without paying for hefty interest fees.

• Competitive low-interest rate card built to keep more money in your wallet
• Prioritizes saving money over earning rewards
• No annual fee
• Secure mobile payments & easy online access

Earn points with every purchase and redeem them for exciting rewards through the uChoose Rewards Program.

• Earn travel or merchandise rewards, cover your Amazon purchases, or lower your loan rate
• Prioritizes rewards over a slightly lower interest rate
• No annual fee
• Secure mobile payments & easy online access