Credit union · NCUA insured
Members Heritage CU Auto Loan Rates
Top CarrotMembers Heritage CU auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Members Heritage CU’s auto loan rates compare
Compared with banks and credit unions near Lexington, KY, where Members Heritage CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Heritage CU
5.49%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loan
Lowest rate
Lexington Postal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Ashland Credit Union
5.08%APR
- Terms
- 61–72 months
- Discount
- Included in the rate
Members Heritage CU auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Heritage CU 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 Auto Loan
Available to members. Up to 100% financing available. Loan terms up to 84 months with fixed rates. No application, processing, or prepayment fees. Certified hybrid or electric vehicles qualify for a 0.25% rate discount. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Rates as low as 5.49% APR. Up to 100% financing. Fixed rate. Rate may vary based on creditworthiness. |
Sources (1)
- membersheritage.org/new-auto-loans · captured Oct 5, 2026
Used Auto Loan
100% financing available. Loan terms up to 84 months with fixed rates. No application or processing fees, and no prepayment penalty. Subject to credit approval; rate may vary depending on creditworthiness. In-house refinances require an additional $500 in new money.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Rates as low as 5.49% APR. 100% financing available. Fixed rate. Rate may vary depending on creditworthiness. |
Sources (1)
- membersheritage.org/used-auto-loans · captured Oct 5, 2026
Vehicle Loan, 100% Financing
100% financing. Rate may vary depending on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Rates as low as 5.49% APR. Rate shown is based on 100% financing. Rate may vary depending on creditworthiness. |
Sources (1)
- membersheritage.org/loan-rates · captured Oct 5, 2026
Who can join Members Heritage CU
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 individuals who live, work, worship, or attend school in 22 eligible Kentucky counties (Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, and Woodford).
Family and household
- Membership is open to individuals who have family members in the 22 eligible Kentucky counties.
Cost to join
- Opening a share savings account with an initial deposit of as little as $5 is required to establish membership, with no annual membership fees or maintenance charges.
Membership information collected October 4, 2026.