Credit union · NCUA insured
Heartland Credit Union Auto Loan Rates
Top CarrotHeartland Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Heartland Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, IL, where Heartland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heartland Credit Union
4.74%APR
- Terms
- up to 66 months
- Discount
- None included
Auto Loans
Lowest rate
Cooperative Choice Network Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Heartland 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 Heartland 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 Loans
Available to qualified borrowers. Rates and 100% financing (including tax, title, and license) are based on creditworthiness, model year, and term. Other terms are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 51 months | 4.49% | Model year 2024 - Newer. |
| up to 66 months | 4.74% | Model year 2024 - Newer. |
| up to 72 months | 4.94% | Model year 2024 - Newer. |
| up to 78 months | 5.44% | Model year 2024 - Newer. |
| up to 84 months | 6.49% | Model year 2024 - Newer. |
| up to 51 months | 4.84% | Model year 2021 - 2023. |
| up to 66 months | 4.89% | Model year 2021 - 2023. |
| up to 72 months | 5.14% | Model year 2021 - 2023. |
| up to 78 months | 5.59% | Model year 2021 - 2023. |
| up to 51 months | 5.29% | Model year 2019 - 2020. |
| up to 66 months | 5.29% | Model year 2019 - 2020. |
| up to 72 months | 5.54% | Model year 2019 - 2020. |
| up to 78 months | 6.54% | Model year 2019 - 2020. |
| up to 51 months | 7.54% | Model year 2017 - 2018. |
| up to 66 months | 7.54% | Model year 2017 - 2018. |
| up to 51 months | 7.99% | Model year 2011 - 2016. |
Sources (3)
All captured Oct 7, 2026
Who can join Heartland 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This may be incomplete or out of date, so check with the credit union before you apply.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 available to anyone who resides or works in Cass, Macoupin, Christian, Madison, Dewitt, Menard, Logan, Montgomery, McLean, Morgan, Macon, or Sangamon County.
Employers and groups
- Membership is available to individuals employed by Memorial Health System and controlled affiliates of Memorial Health System.
- Membership is available to members of Gospel Kingdom Church.
- Membership is available to members of a Laborers' Local belonging to any District Council part of the Midwest Region of the Laborers International Union of North America (LIUNA).
Military, government and schools
- Membership is available to individuals employed by Southern Illinois Airport Authority.
- Membership is available to individuals employed by SIU School of Medicine.
3 more ways to join
Military, government and schools
- Membership is available to individuals employed by Springfield Mass Transit District.
- Membership is available to individuals employed by the United States Government.
Family and household
- Membership is available to immediate family members, including relatives by blood or marriage, or foster and adopted children, of someone who is eligible to join the credit union.
Membership information collected October 5, 2026.