Credit union · NCUA insured
Heritage Credit Union Auto Loan Rates
Heritage Credit Union auto loans start at 6.10% APR for a new vehicle and 6.10% for a used one. Rates checked October 15, 2026.
How Heritage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Evansville, IN, where Heritage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Credit Union
6.10%APR
- Terms
- up to 63 months
- Up to
- —
Traditional Auto and Truck Loan
Lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
2nd-lowest rate
Evansville Federal Credit Union
4.65%APR
- Terms
- up to 60 months
- Up to
- —
Heritage Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew6.10%
- Used vehicleUsed6.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage 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.
Traditional Auto and Truck Loan
Subject to credit approval. Vehicle insurance is required. Rates/APRs based on highest credit tier. Certain restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.10% | Model Year New-2024. Estimated monthly payment $18.59 per $1,000 borrowed. |
| up to 66 months | 6.40% | Model Year New-2024. Estimated monthly payment $18.01 per $1,000 borrowed. |
| up to 69 months | 6.45% | Model Year New-2024. Estimated monthly payment $17.48 per $1,000 borrowed. |
| up to 72 months | 6.50% | Model Year New-2024. Estimated monthly payment $16.81 per $1,000 borrowed. |
| up to 75 months | 6.55% | Model Year New-2024. Estimated monthly payment $16.28 per $1,000 borrowed. |
| up to 78 months | 6.60% | Model Year New-2024. Estimated monthly payment $15.88 per $1,000 borrowed. |
| up to 84 months | 6.65% | Model Year New-2024. Estimated monthly payment $14.92 per $1,000 borrowed. |
| up to 63 months | 6.40% | Model Year 2023. Estimated monthly payment $18.73 per $1,000 borrowed. |
| up to 66 months | 6.50% | Model Year 2023. Estimated monthly payment $18.06 per $1,000 borrowed. |
| up to 69 months | 6.60% | Model Year 2023. Estimated monthly payment $17.46 per $1,000 borrowed. |
| up to 72 months | 6.70% | Model Year 2023. Estimated monthly payment $16.91 per $1,000 borrowed. |
| up to 75 months | 6.85% | Model Year 2023. Estimated monthly payment $16.43 per $1,000 borrowed. |
| up to 78 months | 7.00% | Model Year 2023. Estimated monthly payment $15.99 per $1,000 borrowed. |
| up to 84 months | 7.65% | Model Year 2023. Estimated monthly payment $15.41 per $1,000 borrowed. |
| up to 63 months | 6.65% | Model Year 2022. Estimated monthly payment $18.85 per $1,000 borrowed. |
| up to 66 months | 6.85% | Model Year 2022. Estimated monthly payment $18.23 per $1,000 borrowed. |
| up to 69 months | 6.90% | Model Year 2022. Estimated monthly payment $17.60 per $1,000 borrowed. |
| up to 72 months | 6.95% | Model Year 2022. Estimated monthly payment $17.03 per $1,000 borrowed. |
| up to 75 months | 7.25% | Model Year 2022. Estimated monthly payment $16.62 per $1,000 borrowed. |
| up to 78 months | 7.63% | Model Year 2022. Estimated monthly payment $16.30 per $1,000 borrowed. |
| up to 84 months | 8.20% | Model Year 2022. Estimated monthly payment $15.69 per $1,000 borrowed. |
| up to 63 months | 7.00% | Model Year 2021. Estimated monthly payment $19.01 per $1,000 borrowed. |
| up to 66 months | 7.20% | Model Year 2021. Estimated monthly payment $18.39 per $1,000 borrowed. |
| up to 69 months | 7.45% | Model Year 2021. Estimated monthly payment $17.86 per $1,000 borrowed. |
| up to 72 months | 7.65% | Model Year 2021. Estimated monthly payment $17.36 per $1,000 borrowed. |
| up to 75 months | 7.80% | Model Year 2021. Estimated monthly payment $16.89 per $1,000 borrowed. |
| up to 63 months | 7.05% | Model Year 2020. Estimated monthly payment $19.04 per $1,000 borrowed. |
| up to 66 months | 7.35% | Model Year 2020. Estimated monthly payment $18.47 per $1,000 borrowed. |
| up to 69 months | 7.50% | Model Year 2020. Estimated monthly payment $17.89 per $1,000 borrowed. |
| up to 48 months | 8.35% | Model Year 2019 & Older. Estimated monthly payment $24.58 per $1,000 borrowed. |
| up to 60 months | 8.60% | Model Year 2019 & Older. Estimated monthly payment $20.56 per $1,000 borrowed. |
Sources (2)
- heritagefederal.org/personal-b…-credit-cards/auto-loans
- heritagefederal.org/personal-b…rates/vehicle-loan-rates
All captured Oct 5, 2026
Traditional Motorcycle Loan
Model year ranges apply. Certain restrictions apply. Estimated monthly payment reflects minimum available APR and maximum available term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.95% | Model Year New-2024. Estimated monthly payment $20.73 per $1,000 borrowed. |
| up to 66 months | 9.50% | Model Year New-2024. Estimated monthly payment $19.51 per $1,000 borrowed. |
| up to 72 months | 9.90% | Model Year New-2024. Estimated monthly payment $18.48 per $1,000 borrowed. |
| up to 84 months | 10.85% | Model Year New-2024. Estimated monthly payment $17.04 per $1,000 borrowed. |
| up to 60 months | 9.25% | Model Year 2022-2023. Estimated monthly payment $20.88 per $1,000 borrowed. |
| up to 48 months | 9.95% | Model Year 2021. Estimated monthly payment $25.34 per $1,000 borrowed. |
| up to 60 months | 10.25% | Model Year 2021. Estimated monthly payment $21.37 per $1,000 borrowed. |
| up to 48 months | 10.20% | Model Year 2020. Estimated monthly payment $25.46 per $1,000 borrowed. |
| up to 60 months | 10.45% | Model Year 2020. Estimated monthly payment $21.47 per $1,000 borrowed. |
| up to 36 months | 10.65% | Model Year 2019 & Older. Estimated monthly payment $32.57 per $1,000 borrowed. |
| up to 48 months | 10.90% | Model Year 2019 & Older. Estimated monthly payment $25.80 per $1,000 borrowed. |
Sources (1)
- heritagefederal.org/personal-b…rates/vehicle-loan-rates · captured Oct 5, 2026
Who can join Heritage 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 the designated field of membership counties across Indiana, Kentucky, and Illinois.
Employers and groups
- Membership is open to Heritage employees.
Family and household
- Membership is open to anyone who has an immediate family member who is a current member, or who resides in the same household as a current member of Heritage.
Other ways
- Business membership eligibility is limited to businesses located in field of membership counties.
Membership information collected October 5, 2026.