It's Your Life. Arrive in Style.

No payments for 90 days!

Up to .75% A.P.R.* off an approved loan

No payments for 3 months on approved new/used car, truck, motorcycle, RV, boat, ATV or camper loan rates up to 48 month terms.

PLUS, deduct up to an additional .75% A.P.R.* based on member's relationship with HRCCU for new/used car, truck, motorcycle, RV, boat, ATV or camper loans.

 Examples of Discounted Loan Rates

New Vehicle Loans                                                Used Vehicle Loans

48 month term - $25,000 +                                48 month term - $15,001 - $25,000

     4.72% A.P.R.*              4.92% A.P.R.*

  *A.P.R. = Annual Percentage Rate and is subject to change without notice. Offers listed herein are available for eligible HRCCU members for new and used car, truck, motorcycle, RV, boat, ATV or camper loans approved 6/1/10 thru 8/31/10. Rates listed herein are 48 month term and include maximum loan discount of .75% based on the following member relationship with HRCCU: Deduct .25% for using HRCCU's share draft checking, VISA Debit Card and Virtual Branch Internet Banking; deduct .25% for using automatic loan payments or disability insurance; and deduct .25% for using any other two HRCCU products excluding regular shares. First loan payment due 90 days from loan origination. Initial loan payment will reflect interest accrual from loan origination. Payroll deduction payments will start 60 days from loan origination in order to meet first payment requirement. Other rates/terms available. A credit report fee of $5.00 may be charged. This is a limited time offer from June 1 through August 31, 2010. Other terms and conditions may apply. Offers herein may not be combined with any other offers. HRCCU reserves the right to alter or withdraw this offer or certain features thereof without prior notification.

Enterprise Sizzling Summer Used

Auto Sales Event

Get Blue Book® Trade In Value on your vehicle PLUS $500!

And receive rates as low as 3.67% A.P.R.!

July 1 - 31, 2010

Call 518-654-9028 (option 1) to get pre-approved today.

1: Trade-In values obtained from © 2010 Kelley Blue Book Co.'s website KBB.com. Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle Enterprise will provide a fair and competitive value for customer's vehicle. Additional trade-in value of $500 is not available on vehicles without a Blue Book Trade-In Value or if an Enterprise Car Sales vehicle is not purchased. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Offer valid from 7/1/10 - 7/31/10.

2: A.P.R. = Annual Percentage Rate. Offers listed herein are available for eligible HRCCU members for used vehicle loans approved for vehicles purchased from Enterprise Car Sales during the promotion period.  Rate listed herein starts as low as 3.67% APR for loans $15,000 to $25,000 at a 48 month term and include maximum discount of .75% based on the following member relationship with HRCCU: .25% for using HRCCU’s checking, VISA® debit card and Virtual Branch Internet Banking; deduct .25% for automatic loan payments or disability insurance; deduct .25% for using any other two HRCCU products excluding regular shares. Other terms and conditions may apply. HRCCU reserves the right to alter or withdraw this offer or certain features thereof without prior notification. Offer valid 7/1/10 - 7/31/10 on Enterprise Car Sales vehicles purchased at the Clifton Park, NY location only. Not valid with any other offer. Rates/terms listed herein for 48 month term used vehicle loan is subject to change without notice. A $5.00 credit report fee may be charged at time of loan application. Other terms and conditions may apply.

The "e" logo, Enterprise and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2010 Enterprise Car Sales. Visit enterprisecarsales.com for more details.

Ever-Green Vehicle Loan

Receive up to 1% A.P.R.* OFF our published vehicle loan rates.

SAVE OZONE                       SAVE TREES                     SAVE MONEY

 Ever-Green Loan Criteria:    

• Hybrid Vehicle or Vehicles rated for 30+ mpg highway.
• Automatic loan payments for the term of loan (from HRCCU Checking account).
• Must opt for e-Statements (electronic statements instead of paper).

* A.P.R. = Annual Percentage Rate. Loan from another lender may be refinanced, provided the Ever-Green criteria is met. All titled vehicles must pay the Vendor Single Interest (VSI) insurance payment of $65 per loan.