Zoomed out view of yellow car driving on paved road through a defrosting forest. Includes text, "Last Call to Save Big. Used rates as low as 3.99% APR." Disclosure included below. Also, text "End of Winter - Savings Defrost - Enjoy all the benefits your credit union offers and STOP paying high interest rates, especially those beyond 9%. REFI and SAVE!" "Bring your auto loan to HRCU from another institution to receive a $300 Bonus, plus a Lower Monthly Payment." Underneath is the disclosure, website, phone number, and NCUA and EOL icons.


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.

Last Call to Save Big – Used rates as low as 3.99% APR.1

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


Let us show you how much you’ll save when we lower your monthly payment!3

Learn more about refinancing your Auto Loan.


1APR = Annual Percentage Rate. Rates and terms are subject to change without notice. HRCU will finance up to 125% of the value for a used or refinanced vehicle based on NADA Clean Retail Value 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 1/1/24. 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.

3Subject to credit approval. Existing auto loan rate and term will be compared to HRCU loan scenarios to determine the most beneficial outcome.



End of Winter – Savings Defrost Promotional Rules

Promotion: Hidden River Credit Union is offering borrowers who bring an existing auto loan from another institution and refinance it at HRCU to participate in the Roll Back promotion.

Dates: Promotion runs from January 1, 2024 through March 31, 2024. HRCU reserves the right to adjust the dates as we deem necessary.

Award Recipient Selection: All eligible qualifying borrowers will receive a $300 deposit to their HRCU account 30 days after loan funding.

Eligibility & Limitations: All existing vehicle loans at other financial institutions that equal $20,000 or more and are funded by Hidden River Credit Union between the dates of January 1, 2024 and March 31, 2024 will be eligible, and qualify to receive a $300 bonus. Hidden River Credit Union reserves the right to either end or extend the promotion at any time.

Participants must be at least 18-years old. Any employee is ineligible to participate. By participating, each participant grants Hidden River Credit Union permission to use their name, photograph, and likeness in connection with this promotion. By participating, each individual waives any and all claims of liability against Hidden River Credit Union, its employees, for any personal injury or loss which may occur from the conduct of, or participation in, the promotion, or from the use of any prize. Any valuation of the prizes stated above is based on available information provided to Hidden River Credit Union, and the value of any prize awarded to a participant may be reported for tax purposes as required by law. Each participant is solely responsible for reporting and paying any and all applicable taxes. Prizes are not transferrable and gift cards are not redeemable for cash. Hidden River Credit Union reserves the right to disqualify any participant and may refuse to award any prize to a person who is ineligible or has violated any rule, gained unfair advantage in participating in the contest, or obtained eligibility status using fraudulent means. All decisions will be made by Hidden River Credit Union and are final. Terms and content of contest are subject to change without prior notice.