Vehicle Loans

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 deduction options available, there’s no reason to wait! HCFCU offers to finance up to 100% of NADA/MSRP value available, and we offer optional extended warranties, insurances, and GAP on all loans.

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.

Use our loan calculator to figure payments.


Before you plan to visit!

Please note the following operational changes:

    • All services, aside from teller transactions, are performed by advanced appointment only.
      Click here to make an appointment to visit with our team.
    • All visitors are required to wear a facial covering while visiting our lobby. You will not be permitted to enter the credit union without a facial cover.
    • As we will only allow a certain number of people in the building at one time, please limit your party’s size to only those necessary for your transaction.
    • Your appointment will automatically cancel if you are more than 10 minutes late. Please do NOT arrive more than a few minutes early for your appointment time.
    • If you are sick or exhibiting any COVID symptoms, we ask you to cancel your appointment and consider rescheduling for a later date or use another contactless method.

    ^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.