Credit union · NCUA insured
HEFCU Auto Loan Rates
Top CarrotHEFCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How HEFCU’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where HEFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HEFCU
4.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
HEFCU 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 HEFCU 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.
Leasing Alternative Auto Loan
Subject to credit approval. Only provided on new vehicles with less than 5,000 miles and for the stated terms. Minimum loan amount of $10,000 applies. No termination fees or origination fees. At maturity, borrowers must pay the full outstanding balance via refinancing, paying off, or trading in at a dealership (credit union does not accept returned vehicles). Residual values are determined by vehicle make, model, residual value analysis based on Automotive Leasing Guide, and HEFCU underwriting guidelines. Values are based upon MSRP on the vehicle sticker price.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Subject to credit approval. Payment per $1,000 borrowed is $21.86. Minimum loan amount is $10,000. Payment example: A $50,000 car with a $5,000 down payment over a 36-month loan term with a residual value of $29,250 results in payments of $585.74 for 35 months with a final payment of $29,250 due at maturity. |
| 37–48 months | 5.24% | Subject to credit approval. Payment per $1,000 borrowed is $25.87. Minimum loan amount is $10,000. Payment example: A $50,000 car with a $5,000 down payment over a 48-month term with a residual value of $27,450 results in payments of $525.94 for 47 months with a final payment of $27,450 due at maturity. |
| 49–60 months | 5.74% | Subject to credit approval. Payment per $1,000 borrowed is $34.17. Minimum loan amount is $10,000. Payment example: A $50,000 car with a $5,000 down payment over a 60-month period with a residual value of $21,150 results in payments of $559.38 over 59 months and a final payment of $21,150 due at maturity. |
Sources (2)
All captured Oct 4, 2026
Motorcycle
Subject to credit approval. Rates are subject to change. Other rates and terms available based on creditworthiness. Rates are subject to change without notice. Minimum loan amounts may vary based upon the loan term. 0.25% Loan Loyalty discount applies to Auto, Personal and Fixed Rate Home Equity Loans only.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Subject to credit approval. Payment per $1,000 borrowed is $19.33 (60-month term). Payment example: A $25,000 loan at 5.99% APR with a term of 5-years would result in 60 monthly payments of $483.20. Minimum loan amounts may vary based upon the loan term. Applicable to new and used motorcycles. |
Sources (1)
- hefcu.com/rates · captured Oct 4, 2026
New Auto Loan
Subject to credit approval. Rates are subject to change. Other rates and terms available based on creditworthiness. Minimum loan amounts may vary based upon the loan term. Up to 115% financing available, with flexible terms up to 84 months. 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months. Vehicles with a Salvaged Title are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Subject to credit approval; payment per $1,000 borrowed is $29.74. |
| 37–48 months | 4.74% | Subject to credit approval; payment per $1,000 borrowed is $22.91. |
| 49–60 months | 4.99% | Subject to credit approval; payment per $1,000 borrowed is $18.87. Payment example: A $20,000 loan at 4.99% APR with a term of 5-years would result in 60 monthly payments of $377.33. |
| 61–72 months | 5.49% | Subject to credit approval; payment per $1,000 borrowed is $16.33. |
| 73–84 months | 6.99% | Subject to credit approval; payment per $1,000 borrowed is $15.09. |
Sources (3)
All captured Oct 4, 2026
Used Auto Loan
Available for pre-owned vehicles up to 10 model years old. Subject to credit approval. Rates are subject to change without notice. Other rates and terms available based on creditworthiness. Minimum loan amounts may vary based upon the loan term. Up to 115% financing available, with flexible terms up to 84 months. 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months. Vehicles with a Salvaged Title are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Subject to credit approval; payment per $1,000 borrowed is $29.74. Up to 10 model years old. |
| 37–48 months | 4.74% | Subject to credit approval; payment per $1,000 borrowed is $22.91. Up to 10 model years old. |
| 49–60 months | 4.99% | Subject to credit approval; payment per $1,000 borrowed is $18.87. Payment example: A $15,000 loan at 4.99% APR with a term of 5-years would result in 60 monthly payments of $283.00. Up to 10 model years old. |
| 61–72 months | 5.49% | Subject to credit approval; payment per $1,000 borrowed is $16.33. Up to 10 model years old. |
| 73–84 months | 6.99% | Subject to credit approval; payment per $1,000 borrowed is $15.09. Up to 10 model years old. |
Sources (3)
All captured Oct 4, 2026
Who can join HEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to employees whose employer offers HEFCU as a free employee benefit.
- Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership upon approval by NJHA and remittance of a one-time, $15 non-refundable dues payment to NJHA.
Family and household
- Spouses, significant others, children, parents, siblings, grandparents, or individuals living in the same household of an eligible person are eligible to join, whether that person becomes a member or not.
Cost to join
- A one-time, $15 non-refundable membership dues payment made payable to NJHA is required for those joining via NJHA Personal Membership.
- An initial deposit of at least $5 into a Primary Savings account is required to establish HEFCU membership.
Membership information collected October 5, 2026.