Credit union · NCUA insured
HCP Credit Union Auto Loan Rates
HCP Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 15, 2026.
How HCP Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, IN, where HCP Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HCP Credit Union
4.50%APR
- Terms
- —
Auto Loans
2nd-lowest rate
NATCO
4.95%APR
- Terms
- —
3rd-lowest rate
Kemba Credit Union
5.39%APR
- Terms
- up to 63 months
HCP Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HCP Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rate based on creditworthiness and term of loan. No application fee. Available for new and used loans for cars and trucks, and refinancing.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Rate based on creditworthiness and term of loan. |
Who can join HCP Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the health care profession in Wayne, Fayette, Rush, Henry, Union, Franklin, or Randolph County, IN, or Darke or Preble County, OH is eligible to join.
Family and household
- Members of the household of current credit union members are eligible to join.
- Immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and adopted relations) of current credit union members are eligible to join.
Membership information collected October 5, 2026.