Auto Loans

Whether you're shopping for a new or used car, recreational vehicle or motorcycle (or refinancing vehicles you already own to lower payments) HNCU has the rates and terms you deserve. Plus we'll finance OVER 100% to cover GAP Insurance, Extended Warranties and other extras that protect your investment. If you want to lower monthly payments on existing vehicle loans refinance at HNCU's low rates. If you have a low credit score or minimal credit history we can work with you. We'll help you build a positive credit record.

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Loan Type  Annual Percentage Rate (APR)  Term  

Auto Loans

New, used and refi
As low as
Up to
72 months 
Apply Online

Recreational Vehicle

New and used
As low as
Up to
120 months 
Apply Online

New Motorcycle

New, used and refi
As low as
Up to
60 months 
Apply Online



Extra Protection You Can Finance in Your Loan:

Gap Insurance 

Gap Insurance offers big protection for a small cost. If your car is totaled before the loan is paid off Gap Insurance picks up the difference. You can't afford NOT to have it.

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Route 66 Extended Warranty  

A Route 66 Extended Warranty protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.

With the Route 66 Extended Warranty's Open Enrollment you don't have to purchase your warranty when you financed your auto loan with HNCU, but at any time during the life of the vehicle.
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AutoTrek is HNCU's trusted auto buying partner. They'll help save you time and money on your next NEW or USED vehicle purchase. Visit the Auto Resource Center for help with researching your next vehicle.

These rates are current as of March 10, 2015. The rate you pay depends upon your credit history. All applications subject to credit qualification. HNCU may offer other rates in the future. * APR= Annual Percentage Rate


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Today's Rates

Auto Rates As Low As:
New Auto Loan: 2.79% APR
Used Auto Loan: 2.79% APR
Mortgage Rates As Low As:
15-Year Mortgage:
   3.250% 3.565% APR
20-Year Mortgage:
   3.750% 3.999% APR
30-Year Mortgage:
   4.000% 4.181% APR

See Savings Rates

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