IMPORTANT ALERT: We’ve been made aware of text messages and phone calls being received this week regarding the temporary block of debit cards. Please do not respond to these messages. As a reminder, HAPO will never send text messages or call you asking for your personal information or your ATM PIN number. NEVER GIVE OUT YOUR PIN TO ANYONE! If you did provide any of your personal information such as card number or your PIN in response to one of these messages, please call us immediately. We can be reached at 509-943-5676 or 800-284-4276 during regular business hours.

AFTER HOURS SUPPORT: If you provided any personal information such as your card number or your PIN, please call 844-436-1752 to cancel your card immediately.

Loan Rates

TypeDescriptionAPR#+Max Term
Auto/Motorcycle*++2009-20193.99% to 18.00%60 Months
Auto/Motorcycle*++2009-20194.24% to 18.00%72 Months
Auto/Motorcycle*++2009-20194.74%% to 16.99%84 Months
Auto/Motorcycle*++1998-20086.99% to 17.99%72 Months
Boats2001-20195.99% to 17.00%180 Months
Travel Trailers2001-20195.99% to 17.00%180 Months
Off Road Motorcycles, Jet Skis, Snowmobiles2011-20196.99% to 17.00%72 Months
Motorhomes2001-20195.99% to 17.00%180 Months
SignatureUnsecured closed end9.99% to 16.00%36 Months
SignatureTime Line16.00%Revolving
Share Certificate*** 3% over rate earned on certificate60 Months
Share Loan*** 3% over rate earned on Share60 Months
Money Market Loan*** 3% over rate earned on Money Market60 Months
Money Market Loan*** 4% over rate earned on Money Market120 Months

All collateral loans include .25% discount for auto-pay at the time the loan is originated at a branch

+ Rates subject to change without notice.

Important: Competitive rates will be determined by credit evaluation. All terms are contingent on year of vehicle and amount financed.

* Rate varies based on credit profile, collateral and other factors. MSRP - Kelly or NADA retail plus sales tax, license and warranty. Contact credit union lending for specific rate information and length of term. Credit Card rates based upon credit score and credit qualification.

*** Call or email the Credit Union for rates and additional information.

++ Auto/Motorcycle gas vehicles over 150,000 miles not eligible for financing. Auto Diesel vehicles over 200,000 not eligible for financing. Terms based on amount financed and mileage are subject to change without notice.

601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676