Bank · FDIC insured
Midwest Heritage Auto Loan Rates
Midwest Heritage auto loans start at 6.08% APR for a new vehicle and 6.08% for a used one. Rates checked October 16, 2026.
How Midwest Heritage’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Midwest Heritage has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Midwest Heritage
6.08%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Midwest Heritage auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew6.08%
- Used vehicleUsed6.08%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midwest Heritage ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Rates subject to change and may differ based upon credit scores and loan to values. Exclusive rate for eligible customers that are either Hy-Vee PERKS® members or have employment at Hy-Vee or a Hy-Vee Subsidiary. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.08% | For vehicle model year 2022 or newer. Rates start as low as stated. Payment example based on a $25,000 loan amount ($484.48/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees. |
| up to 48 months | 6.88% | For vehicle model years 2019 - 2021. Rates start as low as stated. Payment example based on a $20,000 loan amount ($478.04/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees. |
| up to 36 months | 9.23% | For vehicle model years 2016 - 2018. Rates start as low as stated. Payment example based on a $15,000 loan amount ($478.90/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees. |
| up to 36 months | 10.00% | For vehicle model years 2011 - 2015. Rates start as low as stated. Payment example based on a $10,000 loan amount ($322.67/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees. |
Sources (2)
- midwestheritage.com/personal/b…ng/auto-motorcycle-loans
- midwestheritage.com/personal/borrowing/lending-rates
All captured Oct 5, 2026
Opening an account
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