Credit union · NCUA insured
Heritage Valley Federal Credit Union Auto Loan Rates
Top CarrotHeritage Valley 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 Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near York, PA, where Heritage Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Heritage Valley Federal Credit Union
3.99%APR
- Terms
- 49–60 months
Auto Loans
2nd-lowest rate
First Capital Federal Credit Union
3.99%APR
- Terms
- up to 72 months
3rd-lowest rate
Glatco Credit Union
4.99%APR
- Terms
- up to 60 months
Heritage Valley Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- 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.
Where Heritage Valley 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 Loans
Rates apply to new or pre-owned models 10 years old or newer, or refinancing current auto loans. Current HV auto loans excluded from promotional rates. Credit union membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Model Year: 2025 - 2027 |
| 49–60 months | 3.99% | Model Year: 2025 - 2027 |
| 61–72 months | 5.60% | Model Year: 2025 - 2027 |
| 73–84 months | 6.10% | Model Year: 2025 - 2027 |
| 85–96 months | 8.60% | Model Year: 2025 - 2027 |
| 61–72 months | 6.35% | Model Year: 2024 |
| 73–84 months | 6.60% | Model Year: 2024 |
| 85–96 months | 9.35% | Model Year: 2024 |
| up to 48 months | 6.10% | Model Year: 2022 - 2023 |
| 49–60 months | 6.10% | Model Year: 2022 - 2023 |
| 61–72 months | 6.60% | Model Year: 2019 - 2021 |
| 73–84 months | 6.85% | Model Year: 2019 - 2021 |
| 85–96 months | 10.35% | Model Year: 2019 - 2021 |
| up to 48 months | 6.85% | Model Year: 2016 - 2018 |
| 49–60 months | 6.85% | Model Year: 2016 - 2018 |
| 61–72 months | 7.35% | Model Year: 2016 - 2018 |
| 73–84 months | 7.60% | Model Year: 2016 - 2018 |
| 85–96 months | 11.35% | Model Year: 2016 - 2018 |
| up to 60 months | 3.99% | Promotional fixed rate for 2024-2027 model years with automatic payments enrollment. Includes 90 days no payments. Rate is based on creditworthiness and method of payment. Existing HV auto loans excluded. |
Who can join Heritage Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the South Central PA counties of Adams, Cumberland, Dauphin, and York is eligible for membership.
Membership information collected October 5, 2026.