Credit union · NCUA insured
First Heritage Federal Credit Union Auto Loan Rates
First Heritage Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How First Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elmira, NY, where First Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Heritage Federal Credit Union
5.74%APR
- Terms
- up to 66 months
- Up to
- —
New Vehicle 2023 - Newer
Lowest rate
Finger Lakes Health Care Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
2nd-lowest rate
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
- Up to
- —
First Heritage Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First 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.
Auto Loan Refinancing
Introductory 0% APR and no payments for the first 90 days from the date of loan disbursement. After 90 days, APR converts to a fixed rate for the remaining term, currently as low as 5.24% APR, based on creditworthiness, qualifications, and collateral conditions. Vehicle must be 7 model years or newer. New money only. Offer must be redeemed within 90 days of the loan open date. Credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 0.00% | Introductory promotional rate of 0% APR for the first 90 days from loan disbursement. Vehicle must be 7 model years or newer. New money only. |
| — | 5.24% | Fixed rate for remaining loan term after 90 days introductory period. As low as 5.24% APR based on creditworthiness, qualifications, and collateral conditions. |
Sources (1)
- fhfcu.org/auto-loan-refinancing · captured Oct 5, 2026
New Motorcycle 2023 - Newer
Rates vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | — |
| up to 66 months | 6.49% | — |
| up to 75 months | 6.74% | — |
Sources (1)
- fhfcu.org/rates · captured Oct 5, 2026
New Vehicle 2023 - Newer
Rates vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 48 months | 5.49% | — |
| up to 66 months | 5.74% | — |
| up to 75 months | 5.99% | — |
| up to 84 months | 6.49% | Minimum loan amount for terms over 75 months is $25,000. |
Sources (1)
- fhfcu.org/rates · captured Oct 5, 2026
Older Vehicle 2018 - Older
Rates vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.24% | — |
| up to 48 months | 7.49% | — |
| up to 60 months | 7.74% | — |
Sources (1)
- fhfcu.org/rates · captured Oct 5, 2026
Used Vehicle 2019 - 2022
Rates vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | — |
| up to 48 months | 5.99% | — |
| up to 66 months | 6.24% | — |
| up to 75 months | 6.49% | — |
| up to 84 months | 6.99% | Minimum loan amount for terms over 75 months is $25,000. |
Sources (1)
- fhfcu.org/rates · captured Oct 5, 2026
Who can join First 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
- Membership is open to persons who live, work, worship, or attend school in the eleven-county community comprised of Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania.
Family and household
- Membership is open to immediate family members (spouse, sibling, children, parent, grandparent, grandchild, including stepparent, stepchildren, step-siblings, and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) of an eligible credit union member.
Membership information collected October 5, 2026.