HUECU’s current Vehicle Loan rates as of December 1, 2022

Auto Loans – up to 110% financing1

New and Used APR2 as low as Maximum Term Maximum Amount Estimated Monthly Payment (per $1,000 at maximum term)
5.99 %3 Up to 72 Months $75,000.00 (new) / $50,000.00 (used) $16.57

Boat/RV Loans

New and Used

APR2 as low as Maximum Term Maximum Amount Estimated Monthly Payment (per $1,000 at maximum term)
Up to 100% Financing1
8.24%1 Up to 10 Years $50,000.00 $12.26
9.24 %3 Up to 20 years $50,000.00 $9.15
Up to 90% Financing1
8.24%1 Up to 10 Years $100,000.00 $12.26
9.24 %3 Up to 20 years $100,000.00 $9.15

If you have already submitted an application:

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.

5. Find new and used values online 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. 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.

New or Used Auto Loan Example:

$1,000.00 loan at 5.99% for 72 months. Monthly payment is $16.57 with total finance charges of $192.91 and total repayment of $1,192.91.

Boat and RV Loan Example:

$1,000.00 loan at 9.24% for 20 months. Monthly payment is $54.14 with total finance charges of $82.81 and total repayment of $1,082.81.