Credit union · NCUA insured
Century Heritage Federal Credit Union Auto Loan Rates
Century Heritage Federal Credit Union auto loans start at 5.79% APR for a new vehicle and 6.04% for a used one. Rates checked October 16, 2026.
How Century Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Century Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Century Heritage Federal Credit Union
5.79%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans (2027-2026)
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Century Heritage Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.79%
- Used vehicleUsed6.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Century Heritage Federal 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.
New Vehicle Loans (2027-2026)
Loan rates listed are discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, and an additional 0.25% discount for 80% LTV or less for collateralized vehicles. Rates adjusted based on loan term, collateral value, and credit history. Model years 2026-2027. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.34% | — |
| up to 48 months | 5.69% | — |
| up to 60 months | 5.79% | — |
| up to 72 months | 6.09% | — |
| up to 84 months | 6.59% | — |
Used Vehicle Loans
Loan rates listed are discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay, and an additional 0.25% discount for 80% LTV or less for collateralized vehicles. Rates adjusted based on loan term, collateral value, and credit history. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.19% | Model years 2024 & 2025 |
| up to 60 months | 6.04% | Model years 2022 & 2023 |
| up to 48 months | 6.64% | Model years 2021 & older |
Who can join Century Heritage Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, and Westmoreland Counties is eligible for membership.
Family and household
- Immediate family or household members of eligible individuals are eligible to join.
Other ways
- Businesses and other legal entities located in Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, and Westmoreland Counties are eligible for membership.
Cost to join
- Membership in Century Heritage is free.
Membership information collected October 5, 2026.