Credit union · NCUA insured
Grand Heritage FCU Auto Loan Rates
Grand Heritage FCU auto loans start at 6.29% APR for a new vehicle and 10.99% for a used one. Rates checked October 15, 2026.
How Grand Heritage FCU’s auto loan rates compare
Compared with banks and credit unions near Michigan City, IN, where Grand Heritage FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Grand Heritage FCU
6.29%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New and Used Vehicles
Lowest rate
Allegius Credit Union
4.50%APR
- Terms
- —
- Up to
- 18.00% APR
- Discount
- None included
2nd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Grand Heritage FCU auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.29%
- Used vehicleUsed10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Grand Heritage FCU 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.
Motorcycles
Rates are based on an evaluation of credit history, so your rate may differ. 0.25% off interest rate when pre-approved before shopping.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.99% | New & Used 2025 - 2026. Rates are based on an evaluation of credit history. |
| up to 60 months | 9.49% | New & Used 2025 - 2026. Rates are based on an evaluation of credit history. |
| up to 48 months | 11.49% | Used 2021 - 2024. Rates are based on an evaluation of credit history. |
Sources (1)
- ghfcu.com/vehicle-loan-rates · captured Oct 15, 2026
New and Used Vehicles
Fixed rates with terms up to 84 months and up to 100% financing. Simple interest with no prepayment penalties. Receive 0.25% off interest rate when pre-approved before shopping. Rates are based on an evaluation of credit history, so your rate may differ. Minimum loan amount is $25,000 for term 72 months. $40,000 minimum loan amount for 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.29% | Model years 2025 - 2026. Rates based on evaluation of credit history. |
| up to 72 months | 6.49% | Model years 2025 - 2026. Minimum loan amount is $25,000 for term 72 months. Rates based on evaluation of credit history. |
| up to 84 months | 7.49% | Model years 2025 - 2026. Minimum loan amount is $40,000 for 84 months. Rates based on evaluation of credit history. |
| up to 60 months | 8.99% | Model years 2023 - 2024. Rates based on evaluation of credit history. |
| up to 72 months | 9.99% | Model years 2023 - 2024. Minimum loan amount is $25,000 for term 72 months. Rates based on evaluation of credit history. |
Used Vehicles
Rates are based on an evaluation of credit history, so your rate may differ. Minimum loan amount is $25,000 for term 60 months. .25% off interest rate of your auto loan when you get pre-approved before you shop!!
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.99% | Model years 2022 - 2023. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 48 months | 9.99% | Model years 2022 - 2023. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 60 months | 10.99% | Model years 2022 - 2023. Minimum loan amount is $25,000 for term 60 months. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 36 months | 10.99% | Model years 2020 -2021. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 48 months | 11.49% | Model years 2020 -2021. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 24 months | 11.49% | Model year 2019 or older. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 36 months | 11.99% | (25 years and older)custom/classic. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 48 months | 11.99% | (25 years and older)custom/classic. Rates are based on an evaluation of credit history, so your rate may differ. |
| up to 60 months | 11.99% | (25 years and older)custom/classic. Minimum loan amount is $25,000 for term 60 months. Rates are based on an evaluation of credit history, so your rate may differ. |
Sources (1)
- ghfcu.com/vehicle-loan-rates · captured Oct 15, 2026
Who can join Grand Heritage FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, attending school, or places of worship in La Porte County are eligible for membership.
Employers and groups
- Volunteers of any school, church, parish, hospital, or association within La Porte County are eligible for membership.
Family and household
- Immediate family members of a Grand Heritage member (spouse, parents, grandparents, children, grandchildren, and siblings, including step and adopted) are eligible for membership.
Membership information collected October 5, 2026.