Auto Loan Rates - Harvard University Employees Credit Union
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HUECU’s current Vehicle Loan rates as of October 1, 2021.

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Auto Loans – up to 110% financing1
APR2 as low as Maximum Term Maximum Amount
New and Used 2.99%3 Up to 72 Months $75,000.00 (new) / $50,000.00 (used)

Green Discount: ¼% off rate for purchasing a hybrid or electric vehicle4


Boat Loans – up to 100% financing
APR2 as low as Maximum Term Maximum Amount
New and Used 6.74%3 Up to 20 years $100,000.00


RV Loans – up to 100% financing
APR2 as low as Maximum Term Maximum Amount
New and Used 6.74%3 Up to 20 years $100,000.00



1. Certain credit restrictions apply for this program. 110% financing on auto loans is subject to credit review and a down payment could be required. 2. Annual Percentage Rate. 3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an HUECU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. HUECU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $75,000 loan amount is only offered on new vehicles. $50,000 maximum amount on used vehicles.  4. The Green Auto Loan discount is only available to members that purchase a hybrid or electric (all-electric or battery-electric) vehicle. Auto Loan Example $20,000.00 at 2.99% for 60 months. Monthly payment: $359.32 Total Finance charge: $1,558.81. Total repayment: $21,558.81. Find new and used values online at Kelley Blue Book or at NADA Guides. HUECU offers lease buyouts for cars titled in Massachusetts only. We do not buy out 3rd party leases. We may not be able to offer financing on vehicles financed outside of Massachusetts. Please contact us at (617) 495-4460 For more information on your vehicle’s state requirements.   All vehicle loans approved are subject to perfecting a security lien interest prior to loan closing on the pledged collateral.  All owners of vehicle will need to sign on the loan.

Boat and RV Loan Example: $20,000.00 at 6.74% for 60 months. Monthly payment: $393.60 Total Finance charge $3,615.68. Total repayment $23,615.67.

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