The HAPO Community Credit Union is a auto loan from HAPO Community Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is 7.99% to 17.99% APR for Boat, Motorhome, Travel Trailer (2008 and newer); 8.49% to 17.99% APR for All-Terrain, Off-Road Vehicle (2018 and newer) (rates effective as of 2/1/2026). Loan terms: Terms up to 180 months.