Auto-Recreational Loans

We offer financing for new and used vehicles, recreational vehicles, motorcycles, all-terrain vehicles, boats, and more!

    Auto Loans

    Auto loan content here


    Auto Loans

    Model Year Term APR
     2018 - Newer  48 mo.  3.54%
       60 mo.  3.54%
     2015 - 2017  48 mo.  3.64%
       60 mo.  3.64%
     2013 - 2014  48 mo.  4.04%
       60 mo.  4.04%
     2011 - 2012  48 mo.  5.89%
       60 mo.  5.89%
     2000 - 2010  48 mo.  7.39%

    *Annual Percentage Rate and 125% financing (including tax, title, and license) available to qualified borrowers.  Actual rate quoted is based on credit worthiness, model year, and term. Other terms are available, please contact the Credit Union for more information.

    Recreational Loans(motorcycles, motorhomes, boats, ATV)

    Model Year Term APR
     2017 - Newer  48 mo.  5.29%
       60 mo.  5.54%
     2015 - 2016  48 mo.  5.29%
       60 mo.  5.54%
     2012 - 2014  48 mo.  5.74%
       60 mo.  5.74%
     2010 - 2011  48 mo.  6.79%
       60 mo.  6.79%
     2007 - 2009  48 mo.  7.64%

    *Annual Percentage Rate and 100% financing (including tax, title, and license) available to qualified borrowers. Actual rate quoted is based on credit worthiness, model year, and term.

    Auto Loans

    48 mo.HCU3.640 % 3.640%

    Selected Rates current as of 9/19/2019, for approved customers.

    Approved Dealers

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    Other Vehicles

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    First Time Buyers Guide

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    Highlights of an auto loan at HCU:

    • Competitive loan rates
    • Pre-approval -- Find out how much you can afford before you begin shopping for your vehicle.
    • Automatic payment options
    • Payment Protection
    • Gap Protection - Vehicle values decline rapidly.  That’s why your insurance settlement, in the event of an accident, may not cover your entire loan balance.  Unless, of course, you have Guaranteed Asset Protection (GAP) Advantage! GAP Advantage is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). Additionally, GAP Advantage also provides you with a credit of up to $1,000 towards the financing of a replacement vehicle if done so within the same financial institution. Contact HCU to learn how to protect your investment.  
    • Mechanical Breakdown Protection- A Route 66 Extended Warranty not only 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.  The Route 66 Extended Warranty is the most comprehensive coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “peace of mind” because even the most reliable vehicle can develop a mechanical problem at any time. 

    Current Rates | Apply Online

    Do you currently have an auto loan with HCU and need to provide proof of insurance? If so, please Upload Proof of Insurance for your auto loan.

    Additional Links

    How much car can I afford?

    Drive Away Happy: Car Buying Decisions

    Cyber Drive Illinois

    Illinois Department of Natural Resources

    Enterprise Car Sales