Skip to content

Credit union · NCUA insured

Heritage USA Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 89Top Carrot

Heritage USA Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.

How Heritage USA Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Midland, TX, where Heritage USA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 89

    This credit union’s lowest

    Heritage USA Federal Credit Union

    3.99%APR

    Terms
    —

    New & Used Auto Loans

  • Top Carrot, Carrot Score 94

    2nd-lowest rate

    Complex Community Federal Credit Union

    4.70%APR

    Terms
    —

    Complex Community Federal Credit Union rates

  • 3rd-lowest rate

    West Texas CU

    4.74%APR

    Terms
    up to 72 months

    West Texas CU rates

Compare auto loan rates near you →

Heritage USA Federal Credit Union auto loan score

94

Auto loan score

Higher than 96% of U.S. banks and credit unions

By vehicle
  • New vehicleNew3.99%
  • Used vehicleUsed3.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Heritage USA 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.

Who can join Heritage USA Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
← Heritage USA Federal Credit Union overview