GO Loans

Getting around town? Traveling out of town? Extra funds? Need to lower your rate? HCU GO Loans have every thing you need.

On the GO Loans

Auto Loans

Whether you’re shuffling the kids from school to soccer or heading out for a family weekend getaway, your vehicle connects you to the things you love. With competitive interest rates, helpful online tools and extra protections, Horizon Credit Union makes it easy and quick to get you on the go, making sure you don’t miss a single goal or memorable experience.

It’s hard to beat the financing options the credit union has to offer:

  • Same Low Rate For New or Used Vehicles 100%
  • Financing Up To 45 Days to Make Your First Payment
  • Up To 84 Month Financing Available
  • Still have questions? Get answers through this quick guide to auto loans: AUTO LOANS
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Have you been dreaming about spending your free time camping, hiking, swimming or just visiting places on your wish list? The possibilities are endless with a Recreation Vehicle loan program like ours. We offer competitive rates and terms to fit any lifestyle.

Recreation Vehicle’s include:

  • Motor Homes
  • Travel Trailers
  • Tent Trailers
  • Campers
  • Motorcycles
  • ATV’s
  • Horse Trailers
  • Boats
  • Personal Watercraft
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Refinancing your current car loan is easy, and can save you money if you qualify for a lower rate with HCU. With some of the lowest rates around, even if your loan is with another institution, we may be able to beat your current rate, and help you save hundreds of dollars each year.

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Title Loans

What rate have you been paying? Interest rates charged by area retail car title loan companies vary by state and are usually at least double or even triple digits! Need to refinance your painfully high interest rates? Turn your car title into a low interest loan. Call today 801.451.5064 to see how HCU can help get you on your way!

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Term APR* as low as
36 Months 3.690 %
48 Months 3.890 %
60 Months 3.890 %
72 Months 4.140 %
84 Months 4.890 %

First Mortgage Rates

Term Rate APR* as low as
Conventional – 15 Years 3.875 % 4.298 %
Conventional – 30 Years 4.990 % 5.243 %

Home Equity Rates

Term APR* as low as
Line of Credit (Variable Rate) Call for rate
Loan (Fixed Rate) Call for rate

Large Recreational Vehicle Loans

Term APR* as low as
48 Months 5.990 %
60 Months 5.990 %
72 Months 5.990 %
84 Months 6.240 %
120 Months 6.240 %
(Motor Homes, Truck Campers, Travel & Folding Trailers, Boats)

Small Recreational Vehicle Loans

Term Rate
48 Months (90% LTV) 5.740 %
60 Months (90% LTV) 5.740 %
72 Months (90% LTV) 5.940 %
48 Months (100% LTV) 5.990 %
60 Months (100% LTV) 5.990 %
72 Months (100% LTV) 6.190 %
(Motorcycles, Motorized Personal Water Craft and Snowmobiles)


Transaction Type Fixed APR* as low as
Balance Transfers 12.900 %
Cash Advances 12.900 %
Purchases 9.900 %
Visa Disclosure

Personal Loans

Term APR* starting as low as
36 Months 8.750 %
48 Months 9.500 %
60 Months 9.750 %

Share Secured

Term APR* as low as
Variable Rate 2.050 %


*APRs (Annual Percentage Rate) are accurate as of today and are subject to change at any time without prior notice. Please contact HCU for current rates.  Loan rates are ‘as low as’ and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply.
**APYs (Annual Percentage Yield) Rates are subject to change without notice. Call to verify current rates. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, share certificate will automatically renew at the current rate. The interest rate will remain the same for the term of the deposit. A penalty will be imposed for early withdrawal. Fees may reduce earnings.

Get Pre Approved

There are advantages to getting pre-approved. When you get pre-approved before you start shopping you’ll have peace of mind about how much you can comfortably spend. It’s never been easier to get pre approved for an auto or vehicle loan. If you are online you can apply right from where you are and have a decision within 48 hours. Apply today and for all the info on car buying – download our free Ebook – Buying a Car: From walking on the Lot to Driving Away.

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HCU Loans & Cards

Personal loans are disbursed in a lump sum, and require no application fees and no collateral. Borrow up to $15,000 for small expenses or to consolidate debt.
With an easy application process, flexible repayment terms and easy online account access, a personal loan could be the right choice for you. Not sure if a personal loan is right for you? Come see us and we’ll discuss your options.

HCU credit cards feature low rates and exceptional services. Our rates are always low which means you pay less in interest on your outstanding balances than you would with other cards. There is NO annual fee and the rate stays the same.  If you’re still unsure about a credit card you can learn more about credit cards in our financial education center here: CREDIT CARDS. To learn more about opening a new card contact: 801.451.5064.

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