Credit union · NCUA insured
Horizons North Credit Union Auto Loan Rates
Top CarrotHorizons North Credit Union auto loans start at 5.19% APR for a new vehicle and 5.19% for a used one. Rates checked October 22, 2026.
How Horizons North Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Horizons North Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Horizons North Credit Union
5.19%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
Horizons North Credit Union auto loan score
80
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizons North 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
New, used and refi. Subject to credit qualifications. Membership conditions apply. Rate assumes LTV of 125% or less. Minimum auto loan is $1,000. Up to 125% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.19% | As low as 5.190% APR available on refinances from other institutions or new loans only. Subject to credit qualifications. Up to 72 months. Minimum auto loan is $1,000. Rate assumes LTV of 125% or less. Member conditions apply. |
Sources (2)
All captured Oct 22, 2026
Motorcycle
New, used and refi. Subject to credit qualifications. Minimum loan and membership conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | As low as 7.000% APR for new, used and refi. Up to 60 months. Subject to credit qualifications. Member conditions apply. |
Sources (1)
- hncu.org/loans/vehicle-loans/auto-loans.html · captured Oct 22, 2026
Who can join Horizons North Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in the City of Westminster, Adams, Broomfield, or Denver Counties are eligible for membership.
Employers and groups
- Employees of community partners (SEG Groups) including Adams 12 Five Star Schools District, American Furniture Warehouse, City of Northglenn, Community Reach Center, IECRM, and North Suburban Medical Center are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
- Individuals related to anyone who works for a community partner (SEG Group) are eligible for membership.
Other ways
- Colorado residents can qualify for membership by joining GoWest Foundation with a one-time $5 membership fee.
Cost to join
- A minimum deposit of $5 into a savings account is required to open an account.
- A one-time $5 membership fee is charged for GoWest Foundation upon account opening for that eligibility route.
Membership information collected October 4, 2026.