Credit union · NCUA insured
Heritage Financial Credit Union Auto Loan Rates
Heritage Financial Credit Union auto loans start at 5.69% APR for a new vehicle and 5.69% for a used one. Rates checked October 16, 2026.
How Heritage Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Heritage Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Financial Credit Union
5.24%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Tier 1 Auto (Model Years 2024-Present)
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Heritage Financial Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Financial 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/Used Motorcycle/OV
Rates are as low as, may vary based on credit worthiness and down payment. 0.50% APR reduction included for members who authorize automatic payments. Max APR 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Model Years 2018-2027. Max term 60 months; other terms are available. Up to 100% financing available for qualified borrowers. Rate includes 0.50% reduction for automatic electronic funds transfer payment. |
Sources (2)
All captured Oct 16, 2026
Tier 1 Auto (Model Years 2024-Present)
Rates include a 0.50% reduction for members who authorize automatic electronic funds transfer payment debited from any account. Up to 125% financing available for qualified borrowers. Actual rate based on creditworthiness and down payment; maximum APR is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.24% | Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months. |
Sources (2)
All captured Oct 16, 2026
Tier 2 Auto (Model Years 2019-2023)
Rates include a 0.50% reduction for members who authorize automatic electronic funds transfer payment debited from any account. Up to 125% financing available for qualified borrowers. Actual rate based on creditworthiness and down payment; maximum APR is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.69% | Fixed APR as low as 5.69%. Model Years 2019-2023. Includes 0.50% discount for automatic payments. Maximum term is 84 months; up to 125% financing available for qualified borrowers. |
Sources (2)
All captured Oct 16, 2026
Tier 3 Auto (Model Years 2016 – 2018)
Rates include a 0.50% reduction for members who authorize automatic electronic funds transfer payment debited from any account. Up to 125% financing available for qualified borrowers. Actual rate based on creditworthiness and down payment; maximum APR is 18.00%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.32% | Fixed APR as low as 7.32%. Model Years 2016 - 2018. Includes 0.50% discount for automatic payments. Maximum term is 84 months; up to 125% financing available for qualified borrowers. |
Sources (2)
All captured Oct 16, 2026
Who can join Heritage Financial 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, volunteers, or attends school in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Family and household
- Membership is open to anyone who has a family member that is a member in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Membership information collected October 5, 2026.