May Auto Loan Promotion is Back!

The Auto Loan Promotion is Back – And It’s Hotter Than Ever! 
Chill Out with DOUBLE Discounts!

When you close a new auto loan with us between May 1st-May 31st, not only will we help you get a low interest rate with affordable monthly payments, but we’ll double your relationship discount and enter you to win your FIRST MONTH’S PAYMENT FREE!

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

  • Rates as low as 4.74% APR*

  • Double Relationship Discount* – enjoy even more savings for being a loyal member. (Reward yourself with up to .30% off your auto loan and we’ll double it to .60% for auto loans in May 2025)

    • 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% x HCFCU credit card holders receive a rate reduction of .15%.

  • $100 Off Auto Exam Warranty Vehicle Service Contracts purchased in May 2025

Win Big When You Finance with Us:

  • Close your auto loan in May and you could win your first car payment – up to $750 – on us! (Two lucky winners will be drawn in June!)

  • All auto loan members are automatically entered to win a FREE loan payment up to $750 in September and again in December!

  • Members who qualify for the relationship discount and choose GAP or an extended warranty on their May 2025 auto loan will win a FREE $100 Gas Card!

So why wait? Dive into this hot deal and drive away with a cool rate from HCFCU.

Click here to start your application.

Members who close a loan for a new, used or refinanced vehicle between May. 1st through May. 31st will be entered to win their 1st car payment paid by HCFCU up to $750. 

 (2) Grand Prize Winners: 1st Car Note Paid up to $750

Don’t Miss Out!

This hot deal ends May 31, 2025, so apply today and drive into summer with more cash in your pocket and more reasons to celebrate.

Promotional Disclosures:

All members must be in good standing at the time of the drawing in order to be eligible for the drawing, the member must have an open and current auto loan on file, created and funded between May 1, 2025, through May 31, 2025. Chances of winning the (1) Grand Prize of up to $750 depends on the total number of eligible entries from all members who opened & closed an auto loan between May 1, 2025, through May 31, 2025. Members are eligible for all available prizes while supplies last. 

Rate discounts are available based on a credit score of 680+, shorter loan terms, down payments, and relationships with the credit union. Rates are subject to change without notice. Talk to a loan officer for details on your qualifying rate.

*Double Relationship Discount: Reward yourself with up to .30% off your auto loan. Choose from the options below and qualify to receive up to 0.30% off your auto loan rate and we’ll double it to .60% for auto loans in May 2025. Rates quoted above do not include the 0.30% discount, so your rate
may be less. Please ask a loan officer for the rate which you qualify. x Add Payment Protection to your loan and receive a rate reduction of .15% for Credit Life and .15% for Credit Disability. x Establish an HCFCU share draft account with direct deposit and e-statements and receive a rate reduction of .15% x HCFCU credit card holders receive a rate reduction of .15%. If a member qualifies for the double relationship discount and also opts in for warranty or GAP they’ll
also get a $100 gas gift card.

Not all auto loans qualify for eSign, ask your loan officer for details.

HCFCU does not refinance our existing loans.

Terms & Conditions Apply:
– No substitutions for the prize; the prize is awarded via a car payment only to the winning member’s HCFCU loan account associated with select auto loan entry, no alternate gifts available and winnings are non-transferable; not responsible for any additional costs. Not responsible for inactive or invalid contact information, bad emails, and or disconnected phone numbers on Membership accounts.
– (2) Grand prize winner will receive up to a $750 car payment.  Any additional funds exceeding the member’s total car payment will not be transferred or paid; The winners will be selected on or before June 10, 2025; & will be notified via telephone and or email thereafter. Odds of winning major or minor prize depend on the total number of entries received at the end of the contest period; entry is determined and qualified by review of account verifications, enrollment verifications, and any criteria required to enter listed above. Accounts must be in good standing at the time of the drawing.
– Federal, state and local tax liability and any other expenses are the sole responsibility of the prize winner. Void where restricted and prohibited. The prize is non-transferable, non-assignable and non-exchangeable. Standard account terms and conditions apply to all contestants. Winners who receive the prize assume responsibility upon acceptance. Winner(s) must sign a photo release. By accepting a prize, the winner(s) consent to have their name, pictures, likeness, and story published for publicity purposes without further compensation via HCFCU, through, but not limited to, photos, status updates, news stories, blog or website postings, and social media.
– All entrants agree to release and hold HCFCU harmless from any and all claims of any kind arising directly and indirectly from the giveaway(s), a prize(s), or any publicity received from the promotion. Members must be 18 years or older and in good standing with the credit union to be considered eligible for any prize drawing.
– In accordance with U.S. tax law, HCFCU may be required to send to you and file with the IRS a form 1099-MISC or 1099-INT for the year in which a gift, reward or prize is issued to you more than $600 for the year. Federal, state and local tax liability and any other expenses are the sole responsibility of the prize winner in connection with the receipt or use of the prize. If taxpayers have questions about the information they receive on a Form 1099, they should follow up with the issuer or their tax professional to resolve any problems about valuation, timing or other issues regarding the income reported.