Credit union · NCUA insured
Heritage Grove Federal Credit Union Auto Loan Rates
Heritage Grove Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Heritage Grove Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salem, OR, where Heritage Grove Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Grove Federal Credit Union
4.99%APR
- Terms
- —
- Up to
- 17.49% APR
- Discount
- Included in the rate
New Auto (2025 & Newer)
Lowest rate
Valley Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
2nd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Heritage Grove Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Grove Federal 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 Promotion
Drive Into Fall Savings promotional refinance offer. Get 0.50% off the rate qualified for. Existing Heritage Grove auto loans and new loans already contracted to Heritage Grove are not eligible. Direct financing only. Minimum loan amount is $5,000. Application deadline is September 30, 2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99%–18.00% | Rates starting as low as 4.99% APR for up to 72 months. Current rates range from 4.99% to 18.00% APR (before the 0.50% discount). Minimum loan amount is $5,000. Application deadline is September 30, 2026. |
Sources (1)
- ourgrovecu.com/loans/auto · captured Sep 15, 2026
New Auto (2025 & Newer)
For vehicles 2025 & newer. Actual rate is based on credit rating, term requested, vehicle age, mileage, and loan to value. Rate includes all available discounts. Approved APR will be 0.20% higher if monthly statement is not received via eStatement (a $300 service termination fee applies if discount received without eStatements).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99%–17.49% | Rate includes all available discounts. APR is 0.20% higher without eStatements. Payment example: $20,000 auto loan at 4.99% APR for 72 months results in 72 payments of $322.01. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 22, 2026
New Motorcycle (2025 & Newer)
For motorcycles 2025 & newer. Actual rate is based on credit rating, term requested, vehicle age, mileage, and loan to value. Rate includes all available discounts. Approved APR will be 0.20% higher if monthly statement is not received via eStatement (a $300 service termination fee applies if discount received without eStatements).
| Terms | APR | Conditions |
|---|---|---|
| — | 8.79%–11.74% | Rate includes all available discounts. APR is 0.20% higher without eStatements. Payment example: On a $20,000 motorcycle loan at 8.79% APR for 72 months, you would make 72 payments of $358.44. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 22, 2026
Older Auto (2018 & Older)
For vehicles 2018 & older. Actual rate is based on credit rating, term requested, vehicle age, mileage, and loan to value. Rate includes all available discounts. Approved APR will be 0.20% higher if monthly statement is not received via eStatement (a $300 service termination fee applies if discount received without eStatements).
| Terms | APR | Conditions |
|---|---|---|
| — | 6.49%–18.00% | Rate includes all available discounts. APR is 0.20% higher without eStatements. Older Auto loan APRs range from 6.49% to 18.00% APR. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 22, 2026
Used Auto (2019-2024)
For vehicles model years 2019-2024. Actual rate is based on credit rating, term requested, vehicle age, mileage, and loan to value. Rate includes all available discounts. Approved APR will be 0.20% higher if monthly statement is not received via eStatement (a $300 service termination fee applies if discount received without eStatements).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24%–17.69% | Rate includes all available discounts. APR is 0.20% higher without eStatements. Table lists starting rate as low as 5.49% APR, while footnote 3 notes Used Auto loan APRs range from 5.24% to 17.69% APR. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 22, 2026
Used Motorcycle (2024 & Older)
For motorcycles 2024 & older. Actual rate is based on credit rating, term requested, vehicle age, mileage, and loan to value. Rate includes all available discounts. Approved APR will be 0.20% higher if monthly statement is not received via eStatement (a $300 service termination fee applies if discount received without eStatements).
| Terms | APR | Conditions |
|---|---|---|
| — | 9.79%–12.74% | Rate includes all available discounts. APR is 0.20% higher without eStatements. Used Motorcycle (2024 & Older) loan APRs range from 9.79% to 12.74% APR. |
Sources (1)
- ourgrovecu.com/rates · captured Oct 22, 2026
Who can join Heritage Grove Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.