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Get a 1% bonus up to $200° when you purchase your next car or refinance your current ride with Heritage Credit Union.

Rates are so low, starting at 1.99% APR for a new car or 2.25% APR for a used car, purchase or refinance. Plus, get a cash bonus of 1%* up to $200 when you finance with Heritage Credit Union using promo code CASH1AUTOEMAIL

Top 6 reasons to choose Heritage Credit Union for your auto loan:

  • Purchase your new vehicle with rates as low as 1.99% APR*
  • Refinance or purchase a used vehicle with rates as low as 2.25% APR
  • Get pre-approved! Your pre-approval is good for 90 days, to give you plenty of time to search for your new ride (if rates drop again, your pre-approved rate can be adjusted down so you don't miss out)
  • Make no payments for 90 days**
  • Skip-A-Pay allows you to skip up to two monthly loan payments each year***
  • For a limited time, get a cash bonus when you finance with Heritage Credit Union

Apply for your auto loan online and get a decision on your loan in minutes.

Do you have questions? Contact your local Heritage branch >


Our auto loan process is fast and simple. Here's what our members say:

“Good Rates, simple loan application process and helpful staff.”

- Scott, Heritage Member

image of google review

 

 


New Auto / Motorcycle

Term
APR* (as low as)
Term: 24 Months
APR* (as low as): 1.99%
Term: 36 Months
APR* (as low as): 2.39%
Term: 48 Months
APR* (as low as): 2.49%
Term: 60 Months
APR* (as low as): 2.75%
Term: 72 Months
APR* (as low as): 2.99%
Term: 84 Months
APR* (as low as): 3.75%

Used Auto / Motorcycle

Term
APR* (as low as)
Term: 24 Months
APR* (as low as): 2.25%
Term: 36 Months
APR* (as low as): 2.49%
Term: 48 Months
APR* (as low as): 2.75%
Term: 60 Months
APR* (as low as): 2.99%
Term: 72 Months
APR* (as low as): 3.49%
Term: 78 Months (minimum $25,000)
APR* (as low as): 3.99%

 

Rates listed effective as of January 17, 2022.

ºAll offers and rates subject to qualified credit and collateral, accurate as of 10/1/2021 and may change or end at any time. Cash Offer: Promo code must be presented upon application of loan. Offer valid for applications received from October 18 – December 4. Qualifying auto/truck loan must be opened within 30 days after presenting promo code 1.00% cash back is calculated based on the final total funded loan amount, including any ancillary products, with a maximum payout of $200.00. Minimum loan amount is $7,500. Existing Heritage Credit Union auto/truck loans are ineligible for the bonus offer. Applicable bonus amount will be credited to your Heritage primary share account within 30 days of funding the loan. New members are subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem promo code. Cannot use multiple offers on same product. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Equal Opportunity Lender. *APR = Annual Percentage Rate. **Interest on 90 day, no payment loans will accrue immediately after disbursal and will be amortized over the loan. ***Visit https://www.heritagecu.org/skip-a-pay.html for a complete disclosure. ººMonthly payment is based on payment per $1,000 for term and rate shown. Actual rates depend on loan-to-value ratio and creditworthiness. Payment amount does not include amounts for taxes, insurance premiums, titling fees or loan protection products. Down payment requirements may apply.

Federally insured by NCUA. Equal Housing Opportunity Lender.