Loans and Lines of Credit
Whether you are shopping for a new car, big ticket item, or just want the security of a line of credit, there is an HVCU loan that will meet your needs.
When you're ready to buy a new or pre-owned vehicle, make sure you get the best financing available. Great rates that are better than industry averages. Loan terms up to 7 years for new and used vehicles1. HVCU financing available directly at many dealerships.
Whatever your personal needs—debt consolidation, college tuition, a vacation, laser eye surgery, or anything in between, we can help with a Readi-cash Line of Credit, Signature Loan, or Personal Assistance Loan.
Learn MoreApply Online
If you’re looking to tour the country on two wheels or just want to add a fuel-efficient alternative to your daily commute, we have the financing to get you rolling. The open road awaits you. Competitive loan rates. Terms up to 7 years1. New, used, and refinances.
Earn rewards with our Visa Signature and Visa Platinum Rewards cards. Choose our Visa Platinum card if you prefer a no-frills card with a great rate. If your building or repairing credit, then our Visa Secured card may meet your needs.
If you are looking to purchase a new home or would like to refinance an existing mortgage from another lender, we have a variety of mortgage options for your particular situation.
Home Equity Loans & Lines of Credit
Home equity financing can help pay for home renovations, education expenses, a daughter’s wedding, or a new business. We offer both loans and lines of credit to meet your needs.
Personal Assistance Loans
Whether you need a little extra cash for books, groceries, an emergency car repair, or anything in between, a Personal Assistance Loan can help. Borrow between $200 and $1,000 with a fixed 6-month term.2
We offer loans and lines of credit that are secured by the balance in your savings account or certificate account. Loans and lines of credit starting at $500. Borrow up to 100% of the amount in your account.
Boats & RVs Loans
Whether you are looking to hit the highway in a home on wheels, or ride the waves on a sunny day, we have the financing to make your adventures possible. Competitive loan rates. Terms up to 12 years3. New, used, and refinances.
We we have partnered with Sallie Mae to offer members their Smart Option Student Loan. This loan is an ideal solution to help pay for college expenses not covered by scholarships and federal loans.
Rate Discount with AutoPay
Arrange to have your loan payments automatically transferred from your savings, checking, or tiered money market account and HVCU will lower the interest rate on your loan by .25%.4 In addition to saving money, you’ll never have to worry about being late with a payment, and it will help keep your credit history strong.
1 As an example, an 84-month new auto loan with a fixed rate of 4.79% APR would result in a payment of $14.04 for each $1,000 financed.
2 As an example, a 6 month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03 Your actual payment may be higher.
3 As an example, a 12-year, 7.25% fixed rate new boat or recreational vehicle loan for $12,000 would result in 144 monthly payments of $125.08.
4 Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.