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To recognize the individuals who continue to provide our communities with essential services, we’re showing our appreciation by offering a 0.25% rate discount on auto loan purchases and non-Heritage Credit Union auto loan refinances.°

View today's rates >

Program Details:

  • Essential workers can get 0.25% off new and used auto loan purchases and non-Heritage refinances.
  • Essential workers are defined as any individual who works for an Essential Business as outlined in either the Illinois Stay at Home Executive Order or the Wisconsin Safer at Home Emergency Order.
  • Auto loan discount of 0.25% applies to our normal posted rates.  Cannot be used with other loan specials or rate matches.
  • Promotion runs through June 15, 2020 even if the state orders list above expires.

Apply for your discounted rate plus make no payments for 90 days.**

Submit your application online and get a decision on your loan in minutes.

Or, have questions? Get in touch with a loan officer >


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

“Best Loan Experience ever. Smooth and Quick.”

- Scott, Heritage Member


Used Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (per $1,000 borrowed)

24 Months

2.75%

$42.87

36 Months

3.39%

$29.25

48 Months

3.50%

$22.36

60 Months

3.75%

$18.30

72 Months

4.25%

$15.76


New Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (per $1,000 borrowed)

24 Months

1.99%

$42.54

36 Months

2.99%

$29.08

48 Months

3.25%

$22.25

60 Months

3.50%

$18.19

72 Months

3.89%

$15.60

84 Months

4.75%

$14.02

°All offers subject to qualified credit. Accountholder must be 16 years of age or older. Essential workers are defined as any individual who works for an Essential Business as outlined in either the Illinois Stay at Home Executive Order or the Wisconsin Safer at Home Emergency Order. Employment will be verified at time of application. Applicants do not need to live in Wisconsin or Illinois. Applicants must either be current Heritage Credit Union members or qualify for membership. New members are subject to member eligibility and an initial deposit of $5 into a primary savings account. Auto loan rate discount of 0.25% applies to normal posted rates and cannot be used with other loan specials or rate matches. Promotion runs through June 15, 2020 even if the state orders listed above expire. Promotion is subject to change and can end at any time. °° Monthly 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. Subject to membership eligibility and a minimum share requirement of $5. **Subject to qualified credit. Interest will accrue during 90-day no payment period. All promotions may change or end at any time.

7 Year ARM Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*