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Terms and Conditions: Annual Percentage Rate. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria which requires automatic payment from an HUECU Crimson Checking account. Your rate may vary from the rate shown. HUECU will not refinance our own automobile loan. Current rates are subject to change at any time. Subject to Credit Approval. Auto Loan Example: $20,000.00 at 3.49% for 48 months. Monthly payment is $446.58 with total finance charges of $1,457.93 and total repayment of $21,457.93. Find new and used car values online at Kelly Blue Book or at NADA Guides. Vehicle must have a MPG of over 30 MPG highway (not city) using the EPA?s new rating system.