Credit union · NCUA insured
Hidden River Credit Union Auto Loan Rates
Hidden River Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Hidden River Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pottsville, PA, where Hidden River Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hidden River Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loan
Lowest rate
CACL Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
M&T Bank
6.79%APR
- Terms
- up to 84 months
- Up to
- 15.69% APR
Hidden River Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hidden River 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.
First Time Car Buyer Loan
For members with limited or no credit. $5,000 minimum loan amount up to $24,000 maximum loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.99% | New vehicle |
| up to 60 months | 9.99% | Used vehicle |
New Auto Loan
HRCU will finance up to MSRP plus tax and tags for a new vehicle. Minimum loan amount is $5,000. The interest rate applied may be higher based on the applicant's credit score, debt ratio, or vehicle value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | — |
| up to 36 months | 3.99% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.49% | — |
| up to 84 months | 6.39% | — |
| up to 90 months | 7.49% | — |
Used Auto Loan
HRCU will finance up to 125% of the value of the vehicle for a used or refinanced vehicle based on NADA, Kelly Blue Book or other authorized guide when determining used vehicle values. Minimum loan amount is $5,000. The interest rate applied may be higher based on the applicant's credit score, debt ratio, or vehicle value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | — |
| up to 36 months | 3.99% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.69% | — |
| up to 84 months | 6.49% | — |
Who can join Hidden River Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school within Schuylkill County is eligible for membership.
Cost to join
- There is a $1 non-refundable new membership fee.
- Must maintain a minimum share deposit of $5 in a new share savings account.
Membership information collected October 5, 2026.