Henrico Federal Credit Union

Rates Effective November 21, 2024

New Auto Loans
Term	APR as low as
12-36 months	4.74%^1,3
37-48 months	4.99%^1,3
49-63 months	5.49%^1,3
64 -75 months	5.74%^1,3
76-84 months	6.74%^1,3
85-96 months	7.74%^1,3

Used Auto Loans
Term	APR as low as
12-36 months	4.74%^1,3
37-48 months	4.99%^1,3
49-63 months	5.49%^1,2,3
64-75 months	5.74%^1,2,3
76-84 months	6.74%^1,2,3

All rates are subject to change without notice.

Members in some relationship pricing groups qualify for a 0.25% APR discount.

Payment example based on a $10,000 loan: $183.32 at 5.49% APR with a 63-month term; $159.23 at 5.74% APR with a 75-month term; $149.92 at 6.74% with a 84-month term; $140.33 at 7.74% with a 96-month term.

¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term.

² Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.

³Posted rates are for existing members of the Credit Union

Membership Eligibility Required

Recreational Loans
Type	Term	APR as low as
New Motorcycles, Boats and RVs	36 -144 months	5.74%¹
Used Motorcycles, Boats and RVs (Model Year 2021 - 2023)	36 -144 months	5.74%¹
Used Motorcycles, Boats and RVs (Model Year 2020 or Older)	36 -144 months	6.74%^1,2

All rates are subject to change without notice.

Payment example based on a $10,000 loan: $188.04 at 6.49% APR with a 63-month term; $164.03 at 6.74% APR with a 75-month term.

¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term. Maximum terms are as follows: MOTORCYCLES: up to $20K: 63 months; over $20K and model year 2021 or newer: 75 months
BOATS/RVs: up to $20K: 63 months; $20K-$50K: 84 months; $50K-$75K: 120 months; over $75K: 144 months

² Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.

Membership Eligibility Required

Loan Rates