Vehicle Loans

Celebrating 75yrs with 75 Reasons To Drive & Save!

90 Days No Payments + up to .75% rate discount! Apply Here!

**Interest will accrue during the 90-day period.

Looking for the perfect time to upgrade your ride or refinance your current loan? May is your month! When you close a new, used, or refinanced auto loan with us between May 1st–May 31st, you’ll not only lock in a low rate, but you’ll also enjoy:

Here’s all the details of the deals and savings:

  • Rates as low as 4.24% APR*

  • Up to .75% off Discount* – enjoy even more savings for being a loyal member. (Reward yourself with up to .75% off your auto loan May 2026)

    • Add Payment Protection to your loan and receive a rate reduction of .25% for Credit Life, Extended Warranty, or Credit Disability. Establish an HCFCU share draft account with direct deposit and e-statements and receive a rate reduction of .25%. HCFCU credit card holders will receive a rate reduction of .25%.

  • $75  Rev Your Rewards! If you already have an auto loan with us and you refer a member that closes an auto loan in May, we’ll reward you with $75! Refer HERE!

New or used, HCFCU can help you drive away with the car, motorcycle, boat, or recreational vehicle of your dreams. With flexible payment options and convenient payroll deductions available, there’s no reason to wait! HCFCU offers financing up to 100% of JD Power/MSRP value. Plus you can select GAP, Warranty, and Payment Protection options for added peace of mind.  

For the latest rates, click here.

All new loan applications are digital. You must complete your application before your scheduled appointment. Most loans can be performed virtually or without coming to our branch; ask your Loan Officer for details.

Visit our Member Auto Center to shop the inventory of our preferred dealers!

  • information on how to provide proof of insurance

    information on how to provide proof of insurance

    ^Reward yourself with up to 0.30% off your Auto, Motorcycle, Recreational Vehicle, or Signature Loan! Choose from the options below and receive up to 0.30% off your loan rate.
    Standard Rates quoted do not include the 0.30% discount, so your rate may be less.
    Please ask for the rate for which you qualify.
    + Add Payment Protection to your loan and receive a rate reduction of .15% for Credit Life and .15% for Credit Disability.
    + Establish an HCFCU share draft account with direct deposit and e-statements and receive a rate reduction of .15%
    + HCFCU credit cardholders receive a rate reduction of .15%
    *APR is Annual Percentage Rate. Rates are based on your credit history, loan term, collateral, and down payment. Certain credit criteria apply. Other restrictions may apply. Rate discounts are given based on the credit score of 680+, shorter loan terms, down payments, and relationships. Rates are subject to change without notice. Talk to a loan officer for details. **Interest will accrue during the 90-day period.