Credit union · NCUA insured
HRCU Auto Loan Rates
HRCU auto loans start at 9.74% APR for a new vehicle and 9.74% for a used one. Rates checked October 22, 2026.
How HRCU’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where HRCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HRCU
9.74%APR
- Terms
- up to 60 months
Classic Car Loan
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
HRCU auto loan score
60
Auto loan score
Higher than 1% of U.S. banks and credit unions
- New vehicleNew9.74%
- Used vehicleUsed9.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HRCU 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 Loan & Refinance
Rates shown include a 0.50% member loyalty discount (two 0.25% discounts: 0.25% for existing member with checking account and active debit card or payroll direct deposit prior to closing; 0.25% for active loan/credit card with HRCU or paid in full within prior 12 months). Final rate, term, and approval determined by creditworthiness and membership qualification. Internal HRCU refinances not eligible. Up to 90 days before first payment available for existing members.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Model years 2023 - 2026. Rates as low as shown include 0.50% member discount. |
| 49–63 months | 4.74% | Model years 2023 - 2026. Rates as low as shown include 0.50% member discount. |
| 64–75 months | 5.49% | Model years 2023 - 2026. Rates as low as shown include 0.50% member discount. |
| 76–84 months | 5.99% | Model years 2023 - 2026. Rates as low as shown include 0.50% member discount. |
| up to 48 months | 4.74% | Model years 2018 - 2022. Rates as low as shown include 0.50% member discount. |
| 49–63 months | 4.99% | Model years 2018 - 2022. Rates as low as shown include 0.50% member discount. |
| 64–75 months | 5.74% | Model years 2018 - 2022. Rates as low as shown include 0.50% member discount. |
| 76–84 months | 6.99% | Model years 2018 - 2022. Rates as low as shown include 0.50% member discount. |
| 24–63 months | 8.74% | Model years 2016 - 2017. Rates as low as shown include 0.50% member discount. |
Sources (3)
- hrcu.org/borrow/auto-loans
- hrcu.org/auto-refinance-special
- hrcu.org/self-service/rates/auto-recreational-loan-rates
All captured Oct 3, 2026
Classic Car Loan
Must be at least 15 years old. Maximum LTV = 80%. Will not finance 'part cars'. Rates shown include a 0.50% member loyalty discount (two 0.25% discounts: 0.25% for existing member with checking account and active debit card prior to closing; 0.25% for active loan/credit card with HRCU or paid in full within prior 12 months). Final rate, term, and approval determined by creditworthiness and membership qualification.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.99% | Classic Car. Rates as low as shown include 0.50% discount. Must be at least 15 yrs old, Max LTV = 80%. |
| up to 36 months | 9.24% | Classic Car. Rates as low as shown include 0.50% discount. Must be at least 15 yrs old, Max LTV = 80%. |
| up to 48 months | 9.49% | Classic Car. Rates as low as shown include 0.50% discount. Must be at least 15 yrs old, Max LTV = 80%. |
| up to 60 months | 9.74% | Classic Car. Rates as low as shown include 0.50% discount. Must be at least 15 yrs old, Max LTV = 80%. |
Sources (1)
- hrcu.org/self-service/rates/auto-recreational-loan-rates · captured Oct 3, 2026
Motorcycle Loan
Rates shown include a 0.50% discount (two 0.25% discounts: 0.25% for existing HRCU member with checking account and active debit card prior to loan closing; 0.25% for active loan/credit card with HRCU or paid in full within prior 12 months). Final rate, term, and approval determined by creditworthiness and membership qualification. Internal HRCU refinances not eligible.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 7.74% | Model years 2022 - 2025. Rates as low as shown include 0.50% discount. |
| 37–48 months | 7.74% | Model years 2022 - 2025. Rates as low as shown include 0.50% discount. |
| 49–60 months | 7.99% | Model years 2022 - 2025. Rates as low as shown include 0.50% discount. |
| 61–72 months | 8.74% | Model years 2022 - 2025. Rates as low as shown include 0.50% discount. |
| 24–36 months | 8.24% | Model years 2015 - 2021. Rates as low as shown include 0.50% discount. |
| 37–48 months | 8.49% | Model years 2015 - 2021. Rates as low as shown include 0.50% discount. |
| 49–60 months | 8.74% | Model years 2015 - 2021. Rates as low as shown include 0.50% discount. |
| 61–72 months | 9.74% | Model years 2015 - 2021. Rates as low as shown include 0.50% discount. |
Sources (1)
- hrcu.org/self-service/rates/auto-recreational-loan-rates · captured Oct 3, 2026
Who can join HRCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, goes to school, or worships in New Hampshire or York County, Maine.
Family and household
- Eligibility is open to individuals who have a family member who is an HRCU member.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 4, 2026.