Your Lease is Maturing!

Whether you decide to keep your vehicle or trade it in, we are here to help you through the process. 


HVCU and our leasing partner, Credit Union Leasing of America (CULA), make the lease maturity process simple and easy. About four months before your lease maturity date, you'll receive a letter from CULA, including instructions on how to turn in your vehicle.

You Have Options for Your Vehicle

  • Keep It - If you love what you're driving now, and don’t want the hassle of searching for a new vehicle, you can stick with us. Applying for a loan is easy. Plus, our rates are low and we have an option to delay your first payment up to 90 days1. The decision doesn’t get much easier than that! 
  • Trade It - If you’re ready for something different, you can also trade in your vehicle and get a new lease or loan with us.

Whatever you decide, HVCU is here to help save you time and money. Apply online, at any branch, or by calling us at 845.463.3011, Monday through Friday from 8:00 AM to 7:00 PM ET or Saturdays 9:00 AM to 5:00 PM ET.

Returning Your Car to CULA & CULA Resources

CULA offers the convenience of picking up your leased vehicle from your home or office. CULA’s transport company works directly with you to arrange a pick-up day and time that works with your schedule. This really is a great option if you want to avoid the hassle of locating a turn in site to bring your vehicle to. For full details, contact CULA Customer Service at 800.878.5400 x0.

For all the resources you need to turn in your vehicle, including a Turn In Checklist and Wear and Tear Template, please visit CULA's website. If you have any questions about this process, you can always contact CULA via phone 800.878.5400 or email

Thank you for leasing your vehicle at HVCU. We hope that you have enjoyed the experience.

Frequently Asked Lease Questions

No, please review all options with a CULA representative. You may have a wear and tear insurance policy in your lease agreement that allows CULA to waive up to $1,000 in wear and tear. 

Yes, as long as you have current registration and insurance. 

No, as long as you call CULA by your termination date with the mileage and all payments have been made, the turn in process is completed and all fees stop accruing. 

In most cases, the transport company can arrange the pickup within 2-3 days, depending on your availability. 

No, it does not cost you to have CULA pick up your vehicle. 

Yes, as long as the vehicle has been inspected and all monthly payments have been made. 

We Are Here to Help

1This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU vehicle refinances, vintage vehicles, and leases are not eligible for the offer. Finance charges will continue to accrue and will be included in the first regularly scheduled payment, which will begin 90 days following loan closing. Offer may be withdrawn at any time.