Consumer Loans

Indicated rates are available to qualified Members.



Vehicle Loan Rates

  •  Rates Effective 11-22-2017
New - Payment Terms1 APR with Autopay2 APR without Autopay2 Payment/$1,000 Advance Policy3 Alert Me
36 Months 2.24% 2.49% $28.75 130% MSRP
48 Months 2.24% 2.49% $21.80 130% MSRP
60 Months 2.24% 2.49% $17.63 130% MSRP
72 Months 2.24% 2.49% $14.86 130% MSRP
84 Months 3.24% 3.49% $13.32 130% MSRP
Used - Payment Terms1 APR with Autopay2 APR without Autopay2 Payment/$1,000 Advance Policy4 Alert Me
36 Months 2.49% 2.74% $28.86 130% RNADA (HCU - KBB)
48 Months 2.49% 2.74% $21.91 130% RNADA (HCU - KBB)
60 Months 2.49% 2.74% $17.74 130% RNADA (HCU - KBB)
72 Months 2.49% 2.74% $14.97 130% RNADA (HCU - KBB)
84 Months 3.49% 3.49% $13.44 130% RNADA (HCU - KBB)
Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile.
  • 1Vehicles valued over $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months.
  • 2APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount.
  • 3MSRP=Manufacturer's Suggested Retail Price; RNADA=Retainer National Automotive Dealers Association; Wholesale=Wholesale Market Value
  • 4MSRP=Manufacturer's Suggested Retail Price; RNADA=Retainer National Automotive Dealers Association; (Harbor Credit Union Members Only) HCU-KBB = Kelley Blue Book; Wholesale=Wholesale Market Value

Motorcycles & Personal Watercraft

  •  Rates Effective 11-22-2017
Loan Type APR with Autopay1 APR without Autopay1 Payment/$1,000 Maximum Terms2 Advance Policy3 Alert Me
New 9.49% 9.74% $16.34 84 Months 110% MSRP
Used 9.74% 9.99% $16.47 84 Months 110% Wholesale
Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile.
  • 1APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount.
  • 2Vehicles valued over $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months.
  • 3MSRP=Manufacturer's Suggested Retail Price; RNADA=Retainer National Automotive Dealers Association; Wholesale=Wholesale Market Value

Boats, Motor Homes & Travel Trailers

  •  Rates Effective 11-22-2017
Loan Type APR with Autopay1 APR without Autopay1 Payment/$1,000 (120 month loans) Maximum Terms2 Advance Policy3 Alert Me
New 8.75% 9.00% $12.55 180 Months (15 yrs) 90% MSRP
Used 9.00% 9.25% $12.68 180 Months (15 yrs) 90% Wholesale
Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile.
  • 1APR = Annual Percentage Rate. Autopay must be from a Credit Union Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount.
  • 2Vehicles valued over $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months.
  • 3MSRP=Manufacturer's Suggested Retail Price; RNADA=Retainer National Automotive Dealers Association; Wholesale=Wholesale Market Value

Personal Loans

  •  Rates Effective 11-22-2017
Loan Type APR1 Payment/$1,000 Maximum Term Advance Policy Alert Me
Signature Loan 9.24% $20.88 60 Months 100%
Line of Credit 9.24% $20.88 Revolving As Needed
Payments calculated based on 60 month term. Minimum advance for closed end signature loans is $1,000. Loans are subject to credit qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile.
  • 1APR=Annual Percentage Rate.

Share Secured Loans

  •  Rates Effective 11-22-2017
Account Type APR1 Advance Policy Alert Me
Share Secured 3.50% + Current Share Rate $500
  • 1APR=Annual Percentage Rate.