Credit union · NCUA insured
Heartland Credit Union Auto Loan Rates
Heartland Credit Union auto loans start at 5.74% APR for a new vehicle and 11.49% 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 Madison, WI, where Heartland Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heartland Credit Union
5.74%APR
- Terms
- 61–72 months
- Up to
- 17.24% APR
- Discount
- None included
Auto Loan
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Heartland Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed11.49%
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 Loan
Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Regular, non-promotional car, truck, motorcycle, boat, and motor home rates range based on vehicle model year and credit history. Terms up to 84 months available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49%–17.24% | New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term Up to 36 months. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history. |
| 37–60 months | 5.24%–17.24% | New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term 37 - 60 months. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history. |
| 61–72 months | 5.74%–17.24% | New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term 61 - 72 months. Minimum loan amount $20,000. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history. |
| 73–84 months | 6.74%–17.24% | New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term 73 months or greater (terms up to 84 months). Minimum loan amount $30,000. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history. |
| up to 36 months | 4.99%–17.74% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017). Term Up to 36 months. Regular, non-promotional rates range between 4.99% – 17.74% APR based on credit history. |
| 37–60 months | 5.74%–17.74% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017). Term 37 - 60 months. Regular, non-promotional rates range between 4.99% – 17.74% APR based on credit history. |
| 61–72 months | 6.24%–17.74% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017). Term 61 - 72 months. Minimum loan amount $20,000. Regular, non-promotional rates range between 4.99% – 17.74% APR based on credit history. |
| 73–84 months | 7.24%–17.74% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2023 to 2017). Term 73 months or greater (terms up to 84 months). Minimum loan amount $30,000. Regular, non-promotional rates range between 4.99% – 17.74% APR based on credit history. |
| up to 36 months | 7.24%–19.99% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011). Term Up to 36 months. Regular, non-promotional rates range between 7.24% – 19.99% APR based on credit history. |
| 37–60 months | 7.99%–19.99% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011). Term 37 - 60 months. Regular, non-promotional rates range between 7.24% – 19.99% APR based on credit history. |
| 61–72 months | 8.49%–19.99% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011). Term 61 - 72 months. Minimum loan amount $20,000. Regular, non-promotional rates range between 7.24% – 19.99% APR based on credit history. |
| 73–84 months | 9.49%–19.99% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011). Term 73 months or greater (terms up to 84 months). Minimum loan amount $30,000. Regular, non-promotional rates range between 7.24% – 19.99% APR based on credit history. |
| up to 60 months | 11.49%–20.49% | Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older). Term Up to 60 months. Regular, non-promotional rates range between 11.49% – 20.49% APR based on credit history. |
Sources (1)
- heartlandcu.org/loans/auto-loans · captured Oct 16, 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 open to individuals who live, work, worship, or attend school in southern Wisconsin.
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- An initial deposit is required upon approval of the account request.
Membership information collected October 5, 2026.