Credit union · NCUA insured
H & E Telephone FCU Auto Loan Rates
H & E Telephone FCU auto loans start at 5.75% APR for a new vehicle and 6.75% for a used one. Rates checked October 22, 2026.
How H & E Telephone FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where H & E Telephone FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
H & E Telephone FCU
5.75%APR
- Terms
- up to 60 months
- Discount
- None included
NEW CAR (60)
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
H & E Telephone FCU auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where H & E Telephone 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.
NEW CAR (60)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | — |
| up to 48 months | 5.25% | — |
| up to 60 months | 5.75% | — |
USED CAR (61)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.75% | — |
| up to 48 months | 6.25% | — |
| up to 60 months | 6.75% | — |
Who can join H & E Telephone FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of American Legion Post 170 are eligible to join.
- Englewood Hospital Nurses are eligible to join.
- Employees of Verizon, Verizon Wireless, AT&T, and Extel Communications are eligible to join.
Military, government and schools
- Police and firefighters are eligible to join.
Family and household
- Families (parents, spouse, children, siblings, and grandchildren) of eligible group members are eligible to join.
Membership information collected October 5, 2026.