woman leaning against car looking towards sunset with mountain background. Includes text "Better Rides Start with a Better Rate" Refinance your auto loan for rates as low as 2.99% APR."









   Blue "Apply Now!" Button













Refinance Your Auto Loan with HRCU!

As a member, you have access to a wide variety of loan products through a local name you can trust. Low rates, easy application, flexible payment options, and timely responses are standard features of every HRCU loan.

For a limited time, take advantage of our Better Rides Start with a Better Rate offer with rates as low as 2.99% APR.1

Plus, get $300 when you refinance your auto loan at HRCU!2


Let us show you how much you’ll save when we lower your monthly payment!

Learn more about refinancing your Auto Loan.


1APR = Annual Percentage Rate. Rates and terms are subject to change without approval or notice. HRCU will finance up to the Manufacturer’s Suggested Retail Price (MSRP) plus tax and tags for a new vehicle. HRCU will finance up to 125% of the value of the vehicle for a used or refinanced vehicle based on NADA, Kelley 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. HRCU makes all final determinations regarding the vehicle value and applied interest rate. See the Credit and Security Agreements available at HRCU.

2Existing auto loans at other financial institutions that are refinanced with HRCU and exceed $20,000 at the time of funding qualify to receive the $300 bonus offer. This offer applies to refinanced auto loans funded on or after 9/1/22. All qualifying loans will receive a $300 deposit to their HRCU account 30 days after loan funding. Terms and qualifications are subject to change without prior notice.