Credit union · NCUA insured
Heritage Community Credit Union Auto Loan Rates
Heritage Community Credit Union auto loans start at 5.59% APR for a new vehicle and 5.84% for a used one. Rates checked October 16, 2026.
How Heritage Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where Heritage Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Community Credit Union
5.59%APR
- Terms
- —
- Up to
- 18.00% APR
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Yolo Federal Credit Union
3.84%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Heritage Community Credit Union auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Community 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 Refinance
Promotional refinance offer for auto loans refinanced from another financial institution. Up to 2.00% reduction below current interest rate with a floor of 5.50% APR. Plus no payments for 90 days (finance charges begin to accrue upon loan disbursal). A recent statement showing current balance and rate is required. Minimum refinance amount is $15,000. Offer not valid on existing HCCU auto loans or loans financed through CUDL. May not be combined with other offers. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | Save up to 2.00% off current interest rate on auto loans refinanced from another lender, subject to a 5.50% APR floor. Enjoy no payments for 90 days; finance charges begin to accrue upon loan disbursal and continue during deferral. Requires recent statement showing balance and rate. Minimum refinance amount $15,000. Not valid on existing HCCU auto loans or CUDL loans. |
Sources (1)
- heritageccu.com/lp/ALR2024.html · captured Oct 6, 2026
Mature Auto Loan
Financing is available up to 95% LTV for mature vehicles. Rates reflect a relationship discount of 0.25% and a 0.50% discount for LTV of 80% or less. Actual rate varies based on creditworthiness, loan term, loan amount, and vehicle/collateral model, year, and value. Membership eligibility and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.22%–18.00% | Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to 95% LTV. |
Sources (2)
All captured Oct 6, 2026
New Auto Loan
Financing is available up to 125% MSRP for new vehicles. Rates reflect a relationship discount of 0.25% and a 0.50% discount for LTV of 80% or less. Actual rate varies based on creditworthiness, loan term, loan amount, and vehicle/collateral model, year, and value. Membership eligibility and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.59%–18.00% | Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to 125% MSRP. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
Financing is available up to Kelley Blue Book retail value for used vehicles up to 12 years old. Rates reflect a relationship discount of 0.25% and a 0.50% discount for LTV of 80% or less. Actual rate varies based on creditworthiness, loan term, loan amount, and vehicle/collateral model, year, and value. Membership eligibility and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.84%–18.00% | Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to Kelley Blue Book retail value. |
Sources (2)
All captured Oct 6, 2026
Who can join Heritage Community 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 anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties.
Employers and groups
- Membership is open to any California resident who is a member of the affiliated organization, the Financial Fitness Association (which can be selected during the online application process).
Membership information collected October 5, 2026.