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Consumer Loan Rates

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Rates effective as of Jan 15, 2018. Rates quoted are for tier 1 borrowers and assume the borrower has automatic payments, an HCU Checking account with Direct Deposit, and a debt-to-income ratio (including new loan) below 45%. Tier 1 pricing assumes a vehicle is less than 6 years old and has less than 150,000 miles. Your actual rate may be higher, depending upon your credit history.

Auto Rates (Fixed Rate - Includes Touring Motorcycles > 1200cc)

Term APR Rate Mo. Pmt/$1,000
48 Months 3.22* 2.99 $22.13
60 Months 3.43* 3.24 $18.08
72 Months 3.65* 3.49 $15.41
84 Months 4.63* 4.49 $13.90

Other terms and rates available.

* (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $17,000 fixed, secured loan, 2015 or newer vehicle with less than 150,000 miles, $79 online origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

Motorcycle Rates (Fixed Rate - Includes Cruiser, Sportbikes, Scooters)

Term APR Rate Mo. Pmt/$1,000
48 Months 4.32** 3.99 $22.57
60 Months 4.76** 4.49 $18.64
72 Months 5.22** 4.99 $16.10

Other terms and rates available.

** (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, 2015 or newer vehicle with less than 150,000 miles, $79 online origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

RV Rates (Fixed Rate)

Term APR Rate Mo. Pmt/$1,000
48 Months 4.55 4.49 $22.80
60 Months 4.79 4.74 $18.75
72 Months 5.03 4.99 $16.10
84 Months 5.28 5.24 $14.25
96 Months 5.52 5.49 $12.89
120 Months 6.02 5.99 $11.10
144 Months 6.26 6.24 $9.88
180 Months 6.51 6.49 $8.71

Other terms and rates available.

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2015 or newer RV with less than 150,000 miles, $79 online (or lobby kiosk) origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

RV Rates (Variable Rate)

Loan Amount Term APR Rate Mo. Pmt/$1,000
RV loan - $40,000 up   Up to 180 months 4.79 4.77 $7.79

Other terms and rates available.

(APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $65,000 secured loan, 2014 or newer RV with less than 150,000 miles, $79 online (or lobby kiosk) origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan. APR may change quarterly, but will never be greater than 18%, or the maximum allowable by law.

Other Rates (Fixed Rate - Includes ATV, PWC, UTV, Garden Tractors)

Term APR Rate Mo. Pmt/$1,000
36 Months 6.93♦♦ 6.49 $30.64
48 Months 7.08♦♦ 6.74 $23.83
60 Months 7.52♦♦ 7.24 $19.91

Other terms and rates available.

♦♦ (APR = Annual Percentage Rate) Assumes a credit score of 725+ on a $12,000 fixed, secured loan, $79 online origination fee, HCU checking with direct deposit, and debt-to-income ratio of 45% or less, including new loan.

Lines of Credit

Type of Loan Variable APR Fixed APR Mo. Pmt/$1,000
Home Equity Line-of-Credit - 1st mortgage (max. 120 mos.) 3.35* N/A $9.77
Home Equity Line-of-Credit - 2nd mortgage (max. 120 mos.) 4.85* N/A $10.48
Express Loan Signature Line-of-Credit up to 36 months 5.03** N/A $29.87
Overdraft Protection for Checking N/A 16.90 NA
Other terms and rates available.

* (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 10 years with a $79 origination fee. Annual LOC fee of $20. APR may change quarterly, but will never be greater than 18% or the maximum rate allowable by the law.

** (APR = Annual percentage rate) APR calculation assumes a balance of $25,000 over 3 years with a $79 origination fee.

Credit Cards

Type of Loan Non-variable APR
VISA Blue Dragon Card 12.90
VISA Diamond Awards 11.90
VISA Express 5.90
VISA Hutch Card 12.90
VISA Platinum Rewards 7.90

Additional Rates