Play the Odds with PowerRATE

Is your rate boring? It doesn’t have to be. Now through April 30th, get pre-approved1 for a rate as low as 1.74% APR for 60 months1 on your new—or new to you—auto. Then at closing, test your luck using our PowerRATE wind blower. You'll reveal one of the random two-digit combinations from the chart below and receive an additional 0.24 to 1.24 off your rate or even 0.00% APR!1,2


0.24 Off2 0.49 Off2 0.74 Off2 0.99 Off2 1.24 Off2 0.00% APR1,2
2 / 2 1 / 6 1 / 4 1 / 3 1 / 2 1 / 1
3 / 3 1 / 7 1 / 5      
3 / 4 1 / 8        
3 / 5 1 / 9        
3 / 6 2 / 3        
3 / 7 2 / 4        
3 / 8 2 / 5        
3 / 9 2 / 6        
4 / 4 2 / 7        
4 / 5 2 / 8        
4 / 6 2 / 9        
4 / 7          
4 / 8          
4 / 9          
5 / 5          
5 / 6          
5 / 7          
5 / 8          
5 / 9          
6 / 6          
6 / 7          
6 / 8          
6 / 9          
7 / 7          
7 / 8          
7 / 9          
8 / 8          
8 / 9          
9 / 9          

Plus, you may even qualify for no payment for up to 90 days!Visit any of our branches, give us a call at 713.22.LOANS or apply online to get started today. This offer expires April 30, 2018

Apply Today

 
1 APR = Annual Percentage Rate. “As low as 1.74% APR” based on loan term of 60 months or less for new and pre-owned autos and motorcycles year 2012 and newer. Rate may vary based on longer term. Auto loan payment example: At 1.74% APR on a $10,000.00 loan with a 60-month term, monthly payment would be approximately $174.27. Rate current as of February 21, 2018 and is subject to change based on market conditions and borrower eligibility. Qualifying HPCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral. Refinance restrictions apply. Other qualifications may exist. Membership eligibility is required.
2 Members of HPCU that finance a new or pre-owned auto or motorcycle, or refinance a new or pre-owned auto or motorcycle from another lender, between February 21, 2018 and April 30, 2018, are eligible for the “PowerRATE” Auto & Motorcycle Loan Promotion. At closing, members are allowed one chance per qualifying auto loan to receive one of the following offers: 0.24 off, 0.49 off, 0.74 off, 0.99 off, 1.24 off or 0.00% APR1. Two or more members jointly purchasing or refinancing an auto or motorcycle are only allowed one chance collectively. Autos and motorcycles currently financed with HPCU are ineligible for the promotion. This offer may not be combined with any other HPCU offer. See Official Promotion Rules for specifics and eligibility. Contact a HPCU representative for full details.
3 Credit score of 640 or higher required to qualify for 90-day no payment option. Credit score will be established by Equifax Beacon FACTA 09 model #MD02369.

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