Freedom from Debt – Refinance Relief
Celebrate financial independence with HRCU’s limited-time loan refinance special.
Take advantage of Auto Loan Refinance rates as low as 4.79% APR¹ for up to 72 months and Home Equity Loan Refinance rates as low as 4.79% APR² for a 7-year term. With flexible terms, local service, and a bonus to get you started, there’s never been a better time to declare your freedom from high-interest debt.
Bring your Mortgage, Home Equity Loan, or Auto Loan from another institution and you could also enjoy a $250 Benjamins Bonus.³ It’s the perfect opportunity to reduce interest, gain breathing room in your budget, and move forward with confidence.
Ready to take the next step? Call our Lending Team today at 570.622.3399, option 3 or apply online.
Learn more about Auto Loans, Home Equity Loans, and Mortgages.
APR (Annual Percentage Rate). Rates current as of 4/1/26. Rates and terms are subject to change without notice. All loan requests subject to credit approval. Membership eligibility required. The interest rate applied may be higher based on the applicant’s credit score, debt ratio, etc. HRCU makes all final determinations regarding applied interest rate. See the Credit and Security Agreements available at HRCU.
¹Advertised fixed interest rate only applies to refinancing Auto Loans from another institution. The advertised rate may only be applied to terms up to 72 months. HRCU will finance up to 120% of the value for a refinanced vehicle based on J.D. Power Retail Value. Minimum loan amount is $5,000.
²Advertised fixed interest rate only applies to refinancing Home Equity Loans from another institution. The advertised rate may only be applied for a seven-year term. Additional rates, terms, and lien positions available. Home Equity Loans are limited to an 80% loan-to-value (LTV) and minimum loan amount of $10,000.
³Existing Mortgages, Home Equity Loans, and Auto Loans at other financial institutions that are refinanced with HRCU and exceed $20,000 at the time of funding, qualify to receive a $250 Benjamins Bonus offer during the Freedom from Debt promotion. This promotion applies to qualifying loans refinanced from another institution and funded on or after 4/1/26. Terms and qualifications are subject to change without notice.