Credit union · NCUA insured
Heritage Family Credit Union Auto Loan Rates
Heritage Family Credit Union auto loans start at 4.99% APR for a new vehicle and 5.60% for a used one. Rates checked October 22, 2026.
How Heritage Family Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rutland, VT, where Heritage Family Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Family Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loan Rate (Model Year 2025 and Newer)
2nd-lowest rate
EastRise Credit Union
5.05%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
M&T Bank
6.79%APR
- Terms
- up to 84 months
- Up to
- 15.69% APR
Heritage Family Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Family 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.
New Auto Loan Rate (Model Year 2025 and Newer)
Initial $25 deposit for membership required. Rates as low as. Credit history based. All rates subject to change without notice. Terms and conditions subject to change without notice. Certain restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | — |
| up to 36 months | 4.99% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.50% | — |
| up to 84 months | 6.45% | — |
Sources (1)
- hfcuvt.com/auto-loan-rates.html · captured Oct 14, 2026
Used Auto Loans (Model Year 2010 - 2001)
Initial $25 deposit for membership required. Rates as low as. Credit history based. All rates subject to change without notice. Additional restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.49% | — |
| up to 36 months | 8.49% | — |
| up to 48 months | 8.49% | — |
| up to 60 months | 8.99% | — |
Sources (1)
- hfcuvt.com/rates/loan-rates.html · captured Oct 14, 2026
Used Auto Loans (Model Year 2020 - 2011)
Initial $25 deposit for membership required. Rates as low as. Credit history based. All rates subject to change without notice. Additional restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.45% | — |
| up to 36 months | 6.45% | — |
| up to 48 months | 6.45% | — |
| up to 60 months | 6.45% | — |
| up to 72 months | 7.25% | — |
| up to 84 months | 7.45% | — |
Sources (1)
- hfcuvt.com/rates/loan-rates.html · captured Oct 14, 2026
Used Auto Loans (Model Year 2024 - 2021)
Initial $25 deposit for membership required. Rates as low as. Credit history based. All rates subject to change without notice. Additional restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.60% | — |
| up to 36 months | 5.60% | — |
| up to 48 months | 5.60% | — |
| up to 60 months | 5.60% | — |
| up to 72 months | 6.15% | — |
| up to 84 months | 6.65% | — |
Sources (1)
- hfcuvt.com/rates/loan-rates.html · captured Oct 14, 2026
Who can join Heritage Family Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses that are members of an organization within the field of membership, regularly conduct business in one of the municipalities, or are located/headquartered in one of the field of membership municipalities are eligible for business membership.
- Individuals who live, work, worship, attend school, volunteer, regularly conduct business, or are a member of an organization within the specified field of membership in Vermont, New Hampshire, New York, or Massachusetts are eligible for membership.
Family and household
- Individuals who are immediate family members of a current member or live in a household with a current member are eligible for membership.
- Surviving spouses of members who passed away while in the credit union's field of membership are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $25 into an account as a member's ownership share in the credit union.
Membership information collected October 4, 2026.