Credit union · NCUA insured
HEA Federal Credit Union Auto Loan Rates
HEA Federal Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 15, 2026.
How HEA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Warner Robins, GA, where HEA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HEA Federal Credit Union
3.75%APR
- Terms
- up to 60 months
New Car
2nd-lowest rate
MidSouth Community Federal Credit Union
3.75%APR
- Terms
- 49–60 months
3rd-lowest rate
Combined Employees Credit Union
3.75%APR
- Terms
- up to 60 months
HEA Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HEA 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 Car
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less. Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Applies to 2025 and 2026 vehicles with 15,000 miles or less. |
| up to 48 months | 3.75% | Applies to 2025 and 2026 vehicles with 15,000 miles or less. |
| up to 60 months | 3.75% | Applies to 2025 and 2026 vehicles with 15,000 miles or less. |
| up to 72 months | 4.35% | Applies to 2025 and 2026 vehicles with 15,000 miles or less. |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2008-2012
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.35% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2013-2014
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.35% | — |
| up to 48 months | 6.55% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2015-2018
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.35% | — |
| up to 48 months | 6.55% | — |
| up to 60 months | 6.85% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2019
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.35% | — |
| up to 48 months | 5.45% | — |
| up to 60 months | 5.55% | — |
| up to 72 months | 5.85% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2020-2021
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 4.49% | — |
| up to 72 months | 4.85% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Used Car 2022-2026
Membership eligibility is required. Subject to withdrawal or change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | — |
| up to 48 months | 3.75% | — |
| up to 60 months | 3.75% | — |
| up to 72 months | 4.45% | — |
Sources (1)
- heafcu.org/rates.php · captured Oct 7, 2026
Who can join HEA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of Central Georgia Technical College are eligible for membership.
- Students of Central Georgia Technical College are eligible for membership.
- Employees of the Houston County Board of Education are eligible for membership.
- Members of the Parent-Teacher Organizations (PTO's) of most of the schools in Houston County are eligible for membership.
- Active members of the Houston County Retired Teachers Association in Houston County, Georgia are eligible for membership.
- Students of most of the schools in Houston County are eligible for membership.
3 more ways to join
Military, government and schools
- Employees of Middle Georgia Regional Educational Service Agency are eligible for membership.
- Employees of the Peach County Board of Education are eligible for membership.
Family and household
- Immediate family members of anyone in the specified qualifying groups are eligible for membership.
Membership information collected October 4, 2026.