Enroll
Vehicle Loans

Vehicle Loans

Our low rates new and used vehicle loans can help you afford the vehicle you want.

  • We can finance up to 100%* of vehicle value.
  • Terms up to 84 months available!
  • .25% rate discount for HRCCU Auto Pay.
  • .25% rate discount for FAVOR Program participants.
  • Apply for financing at over twenty local auto dealers.
Personal Loans

Personal Loans

We offer a variety of low rate Personal Loans for just about any need!

  • For vacations, gift buying and other major purchases.
  • .25% rate discount with HRCCU Auto Pay.
  • .25% rate discount for FAVOR Program participants.
New Vehicle Used Vehicle
Term Up to 84 Months Up to 72 Months
Rates as low as 2.24% APR as low as 2.49% APR
Minimum Loan Amt $3,001 $3,001
Interest is calculated Daily Daily
.25% Auto Pay Rate Discount Check Check
.25% FAVOR Program Discount Check Check
Direct Deposit or Payroll Deduction Check Check
Automatic Transfer
(weekly, bi-weekly or monthly)
Check Check
Pre-approval available Check Check
Fees $5 credit report fee (1st time borrower). Vendor Single Interest (VSI) insurance payment of $105. $5 credit report fee (1st time borrower).Vendor Single Interest (VSI) insurance payment of $105.
 
APR= Annual Percentage Rate. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. Rates listed are for vehicles 2017 – 2013, 36-month term and vehicles 2012 – 2010, 36-month term respectively. Other rates and terms available.

Rates & Fees

Rates starting as low as:

Terms up to: 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
Vehicle models 2014 – 2018 N/A 2.24% APR* 2.24% APR* 2.49% APR* 2.74% APR* 3.24% APR*
Vehicle models 2011 – 2013 2.24% APR* 2.49% APR* 2.74% APR* 2.99% APR* 3.24% APR* N/A
Vehicle models 2010 & older 3.25% APR* 3.50% APR* 3.75% APR* 4.00% APR* N/A N/A

Payment Example: $15,000 @ 2.24% APR* for 36 months: 36 payments of $432.

APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and collateral conditions. All loans are subject to approval. Rates effective 12/1/17.

Offers listed herein are for eligible HRCCU members for new/used vehicle and motorcycle loans effective 12/1/16. Rates listed are for $3,001 minimum amount financed and include a 0.25% APR discount for having automatic payments. Deduct 0.25% for Warren, Washington, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Member must credit qualify. Rates listed are for credit scores of 730. Other rates available. A credit report fee of $5.00 may be charged. Other terms and conditions may apply. Offers/terms listed above are subject to change without notice. HRCCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $105 per loan.

Unsecured/Share Secured Loan

Unsecured Loan Share Secured Loan Share Secured Credit Card
Term Up to 60 Months Up to 144 Months Revolving
Rates As low as 6.49% APR* As low as 2.75% APR* 4.00% APR*
Minimum Loan Amount $300 $300 $300
Interest is calculated Daily Daily Daily
.25% Auto Pay Rate Discount Check No No
.25% FAVOR Program Discount Check No No
Automatic Transfer (weekly, bi-weekly or monthly) Check Check Check
Fees $5.00 credit report fee (1st time borrower) No No

APR = Annual Percentage Rate. Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for Warren, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Rates listed are for members with a credit score of 730. Other rates and terms available and are subject to change without notice. Rates are for loans approved on or after 12/1/16. Late payment/returned payment fee for share secured card is $25. Penalty APR is 18.00%. This penalty APR will be applied to your account if you are 60 days late in making a payment. A $5.00 credit report fee may also be charged.  A 1% international transaction fee for purchases may be imposed on VISA® card holders. Contact HRCCU at 518-654-9028 or 1-800-824-0700 for verification of loan rates, terms/conditions and loan specials.

 

Rates starting as low as:

Term     Under  $3,000 Over $3,000
24-month 17.75% APR* 6.24% APR*

*APR = Annual Percentage Rate

Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for credit qualified Warren, Washington, Rensselaer, Saratoga, and Albany County FAVOR Program participants who show proper documentation. Rates listed are for credit scores of 730. Other rates and terms available. Rates are for loans approved on or after 12/1/16.

Hudson River Community Credit Union

Hudson River Community Credit Union