Student Loan Rates

*Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments

Info and/or TermsAPR*
Private Undergraduate
Line of Credit
$1,000 Up To $75,000
Up to 25 Years
as low as6.75%
Student Loan Refinanced (Fixed)
Loan Consolidation
$5,000 Up To $100,000
Up to 10 Years
as low as5.50%
Student Loan Refinanced (Fixed)
Loan Consolidation
$5,000 Up To $100,000
Up to 15 Years
as low as6.00%
Student Loan Refinanced (Variable)
Loan Consolidation
$5,000 Up To $100,000
Up to 15 Years
as low as6.75%

Home Equity Rates

Info and/or TermsAPR*
Home Equity Line of Credit
4.0% Floor
5 Year draw period with repayment followed by a 10 year repayment period
as low as5.00%
10 Year Fixed Term
Minimum Loan Amount $10,000
as low as5.50%
Variable
4.0% Floor
2.0% Margin Over 1 Year Treasury (20 Year Amortization) 1 Year Reset
Minimum Loan Amount $10,000
as low as 4.00%

Personal Loan Rates

**Signature Loan amount minimum is $500.

Info and/or TermsAPR*
Signature** Closed End Loan
Up to $10,000
Up to 60 months
as low as10.49%
Short Term Personal Loan
Up to $500
Up to 6 Months
as low as18.00%

Enterprise Auto Loan Rates

Info and/or TermsAPR*
Up to $75,000
48 Months
as low as2.49%
Up to $75,000
60 Months
as low as2.99%
Up to $75,000
72 Months
as low as3.49%

Why Refinance?

Refinancing your auto loan with Hudson River Financial could lower your monthly payments, plus save you more over the life of your loan!

New Vehicle Loan Rates

Current Year or Previous Year (6,000 miles maximum or never titled)
Finance up to 125% of Purchase Price or MSRP, whichever is les

Info and/or TermsAPR*
Up to $75,000
48 Months
as low as2.99%
Up to $75,000
60 Months
as low as3.49%
$20,000 Up to $75,000
72 Months
as low as3.99%

Used Vehicle (2013 or Newer) Loan Rates

2013 or Newer

Info and/or TermsAPR*
Up to $75,000
48 Months
as low as2.99%
Up to $75,000
60 Months
as low as3.49%
$20,000 Up to $75,000
72 Months
as low as3.99%

Used Vehicle (2009 to 2012) Loan Rates

Finance Up to 125% Purchase Price or NADA retail value, whichever is less.

Info and/or TermsAPR*
Up to $75,000
Maximum Term Depends On Vehicle Age
as low as5.25%

Classic Vehicle Loan Rates

No Age Limit

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
as low as5.25%

New Motorcycle Loan Rates

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
Finance Up to 100% of Purchase Price or MSRP, whichever is less.
as low as7.75%

Used Motorcycle Loan Rates

Info and/or TermsAPR*
Up to $75,000
Up to 60 Months
as low as8.25%

New & Used Boat Rates

Finance Up to 100% of Purchase Price or 100% of published retail value, whichever is less

Info and/or TermsAPR*
New Boat
Up To $75,000
120 months
as low as7.75%
Used Boat
UP To $75,000
120 months
as low as8.00%

Share Secured & Certificate Secured Loan Rates

Maximum Loan Amount cannot exceed 100% of pledged account balance. All Share and Certificate Secured Loans are for qualified borrowers.

*APR = Annual Percentage Rate. All rates subject to change without notice and are for qualified borrowers. Complete loan details are available at the credit union.

** IRA Certificate Accounts are excluded as collateral for Certificate Secured Loans.

Info and/or TermsAPR*
Shared Secured
$300 Up to $250,000
Up to 36 months
as low asShare Rate +3.00%
Shared Secured
$300 Up to $250,000
Up to 72 months
as low asShare Rate +4.00%
Shared Secured
$300 Up to $250,000
Up to 120 months
as low asShare Rate +5.00%
Certificate Secured**
$300 Up to $250,000
Certificate Term
as low asCD Rate +3.00%