Credit union · NCUA insured
Heartland Credit Union Auto Loan Rates
Top CarrotHeartland Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% 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 Hutchinson, KS, where Heartland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heartland Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Bell Credit Union
3.75%APR
- Terms
- 36–60 months
- Up to
- 11.00% APR
3rd-lowest rate
Hutchinson Government Employees CU
4.99%APR
- Terms
- up to 60 months
- Up to
- —
Heartland Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
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
Membership required. Assumes credit score 725+ on new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay. Terms up to 84 months and 100% financing available for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Limited time offer. Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay. |
| up to 60 months | 4.99% | Limited time offer. Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay. |
| up to 72 months | 5.24% | Limited time offer. Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay. |
Who can join Heartland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.