Options
Find Your Perfect VehicleVehicle Loan Options
Auto Loans
Get behind the wheel with great rates and flexible terms from Hercules First Federal Credit Union. Whether you're purchasing a new or used vehicle, or refinancing to save money, we’ve got you covered. With AutoSMART, you can shop, get pre-approved, and find your perfect car—all in one place. Apply online, in branch, or by phone today!
Motorcycle Loans
Hit the open road with a loan tailored to your needs. Whether you're eyeing a cruiser, chopper, or sports bike, Hercules First Federal Credit Union offers low rates, flexible terms, and customizable options to make your motorcycle purchase affordable. Learn more about how we can help you get on the road today!
RV Loans
Ready for your next adventure? Whether it’s a boat, motorhome, ATV, or snowmobile, Hercules First Federal Credit Union offers low rates, flexible terms, and customizable options to help you get the RV of your dreams. From watercraft to off-road vehicles, we’ve got you covered for your next outdoor getaway.
Check Out Our
Current Auto Loan Rates
Ready to hit the road in a new car, truck, or motorcycle? At Hercules First Federal Credit Union, we offer competitive rates and flexible terms to help you drive away with the best deal. Whether you’re purchasing a new or used vehicle, refinancing, or shopping through our AutoSMART platform, we have options for every need. Check out our current rates to get started on your journey today.
Auto
Get the Best DealNew & Used Auto Loans
Looking for your next vehicle? Hercules First Federal Credit Union is here to help you get behind the wheel—whether it’s a car, truck, SUV, or crossover. Our competitive rates and flexible loan options make it easy to finance new or pre-owned vehicles. Already have a loan elsewhere? We can help you refinance to save money. With AutoSMART, you can shop for your car and secure your financing all in one convenient place.
- Going to the Dealership?
- Auto Loan Features
Going to the Dealership?
Let them know that you want your financing to go through Hercules. They can process your loan and get you on the road!
Auto Loan Features
- Fixed auto loan rates with terms up to 84 months
- No application fees
- Member loyalty discounts
- Purchase or refinance options available
- Onsite financing at the dealership of your choice
FAQS
Have Questions?Auto Loan FAQs
You don’t need to be a member to start an auto loan application. However, you’ll need to qualify to complete the process.
Refinancing your vehicle is a simple way to reduce your interest rate and monthly payments. To get started, you’ll need a few key details and documents, including your car’s mileage, VIN, current loan information, and your driver’s license.
Appy for your new loan by coming into one of our branches or click here. One of our loan officers will work with you to determine the best rate and terms to meet your situation.
Your credit score is not the only factor we consider in our approval process, but it is important. Generally, you would need a score in the mid-600’s to qualify, but other factors such as job time and existing debt allow for some flexibility in our decision.
A credit score doesn’t just determine car loan approval; it also affects the interest rate. While there are auto loan lenders willing to accept an average (mid-600s) or low (500s to low 600s) credit score, the interest rate would likely be three to five times higher than those with good or excellent credit.
Talk with your Hercules First Federal Credit Union loan officer and let us help you find the best solution.
Absolutely! Getting pre-approved will give you negotiating power when you go into the dealership and will help you determine a price rate that fits your budget.
Motorcycle
Cruise the Open RoadMotorcycle Loans
Whether you're cruising the open road on a new sports bike, a custom chopper, or a touring motorcycle, Hercules First Federal Credit Union is here to help you hit the road with confidence. Our motorcycle loans offer low interest rates, flexible terms, and customizable options to ensure your payment fits your budget.
We’re dedicated to bringing the freedom of the open road to our members, no matter your style of riding.
- Low Rates
- Flexible Terms
- Customizable Options
- Affordable Payments
Let us help you get on the road with a loan that’s right for you.
Ready to hit the road? Apply Now to get started!
RVs
The RV of Your DreamsNew and Used Recreational Vehicle Loans
At Hercules First Federal Credit Union, we make getting the right financing for your RV or motorhome stress-free. From brand-new models to pre-owned options, we’ll help you find a loan that works with your budget while putting you in a recreational vehicle that suits your travel style—whether that’s a spacious camper, motorhome, fifth wheel, toy hauler, or a trailer with living accommodations. Need to adjust your current loan? Our refinancing options can help lower your rate or monthly payment.
Our RV loans Feature:
- Fixed rates with terms up to 180 months
- No application fees
- Member loyalty discounts
- Purchase or refinance options available
- Onsite financing at the RV dealer of your choice
- Watercrafts
- Motorhomes
- ATVs
- Benefits
Watercrafts
If you're looking to set sail, we offer great rates on new boats. With boats typically depreciating slower than other RVs, you'll enjoy longer financing terms and lower monthly payments.
Motorhomes
For those who want to explore the country while enjoying the comforts of home, a motorhome is the perfect solution. With flexible and customizable terms, we’ll help make your road trip dreams a reality.
ATVs
For outdoor enthusiasts, we’re here to help you enjoy some of the world’s best scenery. Whether you're exploring the mountains or cruising the trails, we offer financing options for your new ATV.
Benefits
- Low Rates
- Flexible Terms
- Longer Financing Options (for boats and RVs)
- You Don’t Need Perfect Credit
- Customizable Loan Options
- Affordable Payments
FAQS
Have Questions?Recreational Vehicle Loan FAQs
Financing an RV or camper can be more challenging than a standard vehicle loan because they’re considered recreational luxury items. Approval often depends on your credit score, income, and employment history, and sometimes a down payment is needed to secure a better rate. At Hercules, we aim to simplify the process, making it quicker and easier for you to get the RV or camper you’ve been dreaming about.
RV and camper loans can be tailored to fit your budget and timeline. Terms usually range from 7 to 15 years, depending on the vehicle’s age and type. You can choose a shorter loan term with higher monthly payments or stretch it out for lower payments—whatever works best for your finances. One way to save money over time is by making extra payments toward the principal, which can help you pay off your loan faster and reduce the total interest you’ll pay.
Your Hercules First Federal Credit Union loan officer will work with you to customize your loan terms to fit your individual needs.
Absolutely! Getting pre-approved will give you negotiating power when you go into the dealership and will help you determine a price rate that fits your budget.
Rates
View Our RatesAuto Loan Rates
Rates current as of February 18, 2026
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 3.84% APR and a 60 month term is $18.34 per $1,000. Membership required. Based on eligibility.
Rates
View Our RatesRecreational Vehicle Loans Rates
Rates current as of February 18, 2026
*Annual Percentage Rate. Loans are subject to credit approval. The minimum monthly payment for a loan with a 3.84% APR and a 60 month term is $18.34 per $1,000. Membership required. Based on eligibility.