Bundle Up in Your New Car or Home with an HRCU Loan!
As the season changes and temperatures fall, it’s the perfect time to bundle up with a great deal!
- Shopping for a new ride?
Many dealers are hoping to recover pandemic losses by offering incredible end-of-year discounts.
- Purchasing the home of your dreams?
Sellers are often more inclined to negotiate in the fall so they can finalize a sale before winter arrives.
- Shopping for a new ride?
Meet with an HRCU Lending Specialist to determine how much we can lower your monthly payment.
Ask us for a pre-approval and shop with confidence knowing you have an edge either at the dealership or over competing home offers. Take advantage of the savings on your next loan with HRCU’s low, affordable and high member satisfaction. Close on an auto or real estate loan before year end and you could WIN FREE COFFEE FOR A YEAR!*
Freezing low rates starting at 1.69% APR.**
*Qualifying loans for the Sweater Weather Loan Event include auto: new, used, and refinances; as well as real estate: mortgages, refinances, home equity loans, and home equity lines of credit (HELOCs) funded on or after October 1. One eligible member who received a qualifying auto loan and one eligible member who received a qualifying real estate loan will be randomly selected to receive a $500 VISA gift card. This amount is equal to roughly two cups of coffee each week for a year. Certain restrictions may apply. See Official Rules detailed below.
**APR = 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, Kelly Blue Book, or other authorized guide when determining used vehicle values. Minimum loan amount is $5,000. The interest rate applied may be up to 2.5% 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 LOANLINER Credit and Security Agreements available at HRCU.
The Sweater Weather Loan Event – Contest Rules
Promotion: Hidden River Credit Union is offering borrowers of Auto Loans and Real Estate Loans a chance to participate in The Sweater Weather Loan Event.
Dates: Promotion runs from October 1, 2020 through December 31, 2020. Drawing for award recipients will be held on or before Wednesday, January 13, 2021. HRCU reserves the right to adjust the dates as we deem necessary.
Award Recipient Selection: Award recipients will be randomly selected from all eligible entries (as defined below). The award recipients will be notified by phone and must confirm within 72 hours. If confirmation is not provided within 72 hours from notification, the prize will be forfeited.
Eligibility & Limitations: All new or used vehicle loans over $5 ,000, including refinances, funded by Hidden River Credit Union between the dates of October 1, 2020 through December 31, 2020 will be entered in the drawing for a chance to win a $500 VISA Gift Card. (This amount is equal to roughly two cups of coffee each week for a year.) All real estate loans, including mortgages, refinances, home equity loans, and home equity lines of credit (HELOCs) funded by Hidden River Credit Union between the dates of October 1, 2020 and December 31, 2020 will also be entered to win a $500 VISA Gift Card. (This amount is equal to roughly two cups of coffee each week for a year.) Application approval is not enough to be eligible. Odds of winning depend on the number of loans funded. 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 or family member of an employee is ineligible to participate or win. 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.