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 2014 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 877-895-6840 for more information. 

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2014 or newer. Standard underwriting guidelines apply. Rates listed are with .25% discount for HRCU Member Loyalty Discount: applicant must be an existing member with an active checking account with a payroll or government benefit direct deposit, OR an active debit card (defined as at least one (1) debit card transaction every thirty (30) days), OR a member with a current HRCU loan or an HRCU loan paid off within the past sixty (60) days, OR a member with an open HRCU VISA, OR for an electric/hybrid vehicle purchase. An applicant that meets at least one (1) of the four (4) criteria listed qualifies for the 0.25% loan discount. The 0.25% discount applies to all consumer loans excluding VISA, personal lines of credit, real estate loans, and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Additional rates and terms available. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Contact a member service representative at 877-895-6840 for more information. 

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

• 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 9.24% for 48 months, monthly payment is approximately $249.99. Total finance charge is approximately $1,999.60.

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Boats over 10 years old will be reviewed on a case-by-case basis, and may be subject to an additional .50% rate increase.

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

*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 existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.