Credit union · NCUA insured
Indiana Heartland FCU Auto Loan Rates
Indiana Heartland FCU auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 15, 2026.
How Indiana Heartland FCU’s auto loan rates compare
Compared with banks and credit unions near Kokomo, IN, where Indiana Heartland FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Indiana Heartland FCU
4.69%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vehicle Rates
Lowest rate
Haynes Community FCU
3.85%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Discount
- None included
Indiana Heartland FCU auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Indiana Heartland FCU 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 Promo
Rates Effective 09/30/2026 – “As low as” rates listed below includes all eligible discounts. APR = Annual Percentage Rate. Rates are subject to change at any time. Rates based on credit performance, age of vehicle and terms of the loan. Rate listed reflects 730+ FICO 8 credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.89% | 2023 & Newer ($30k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 4.99% | 2023 & Newer ($15k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 4.69% | 2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 4.39% | 2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 84 months | 6.19% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 5.39% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 4.99% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 4.69% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 84 months | 6.59% | Used Vehicles: 2018-2020 ($25k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 5.79% | Used Vehicles: 2018-2020 ($15k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 5.39% | Used Vehicles: 2018-2020. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 5.19% | Used Vehicles: 2018-2020. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 7.39% | Used Vehicles: 2016-2017. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 6.99% | Used Vehicles: 2016-2017. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 7.49% | Used Vehicles: 2014-2015. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 42 months | 7.69% | Used Vehicles: 2013 & older. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
Vehicle Rates
Rates Effective 09/30/2026 – “As low as” rates listed below includes all eligible discounts. APR = Annual Percentage Rate. Rates are subject to change at any time. Rates based on credit performance, age of vehicle and terms of the loan. Rate listed reflects 730+ FICO 8 credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.89% | 2023 & Newer ($30k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 4.99% | 2023 & Newer ($15k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 4.69% | 2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 4.39% | 2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 84 months | 6.19% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 5.39% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 4.99% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 4.69% | 2021-2022. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 84 months | 6.59% | Used Vehicles: 2018-2020 ($25k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 72 months | 5.79% | Used Vehicles: 2018-2020 ($15k+ financing). Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 5.39% | Used Vehicles: 2018-2020. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 5.19% | Used Vehicles: 2018-2020. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 60 months | 7.39% | Used Vehicles: 2016-2017. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 6.99% | Used Vehicles: 2016-2017. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 48 months | 7.49% | Used Vehicles: 2014-2015. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
| up to 42 months | 7.69% | Used Vehicles: 2013 & older. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts. |
Who can join Indiana Heartland FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.