Terms and Conditions: Annual Percentage Rate. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria which requires automatic payment from an HUECU Crimson or Smart Rewards Checking account. Your rate may vary from the rate shown. HUECU will not refinance our own automobile loan. Current rates are subject to change at any time. Subject to Credit Approval. Auto Loan Example $20,000.00 at 2.99% APR for 60 months. Monthly payment: $359 Total Finance charge: $1,540 Total repayment: $21,540. Find new and used car values online at Kelly Blue Book or at NADA Guides.