Credit union · NCUA insured
Georgia Heritage Federal Credit Union Auto Loan Rates
Top CarrotGeorgia Heritage Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Georgia Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Savannah, GA, where Georgia Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Georgia Heritage Federal Credit Union
4.74%APR
- Terms
- up to 60 months
Auto, Truck, and SUV
Lowest rate
Savannah Postal Credit Union
4.25%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Georgia Heritage Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Georgia 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, Truck, and SUV
Membership required before loan funding; eligible to those who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties and their immediate family members. Term length is dependent on credit rating and vehicle model year. Minimum finance amount required. Rates based on creditworthiness and term of loan and subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | — |
| up to 60 months | 4.74% | — |
| up to 66 months | 4.99% | — |
| up to 72 months | 5.24% | — |
| up to 75 months | 5.74% | — |
| up to 84 months | 5.99% | — |
Who can join Georgia 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties in Georgia are eligible to join.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties in Georgia are eligible to join.
Cost to join
- There is no fee to join, though a refundable $5.00 minimum deposit is required to open an account and will be returned if the account is closed.
Membership information collected October 4, 2026.