Credit union · NCUA insured
American Heritage Credit Union Auto Loan Rates
Top CarrotAmerican Heritage Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How American Heritage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Heritage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American Heritage Credit Union
5.49%APR
- Terms
- up to 63 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
American Heritage Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American Heritage Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rates available for automobile model years 2024 - 2026 (or 2022 to present per footnote). New and used auto loans. Auto loan refinance rates available for vehicles not previously financed at American Heritage Credit Union. Rates include a 0.25% discount for payments via payroll deduction or automatic payment from an American Heritage Credit Union account; APR is increased by 0.25% without payroll deduction or automatic payment. Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments (interest accrues during promotional deferred payment periods). Other rates and terms available for vehicles 2015 and earlier.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | Up to 63 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments. |
| 64–75 months | 5.74% | 64 to 75 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). |
| 76–84 months | 6.49% | 76 - 84 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). |
Sources (3)
All captured Oct 16, 2026
Who can join American Heritage Credit Union
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