Credit union · NCUA insured
Mountain Heritage Federal Credit Union Auto Loan Rates
Mountain Heritage Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 22, 2026.
How Mountain Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Mountain Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mountain Heritage Federal Credit Union
5.50%APR
- Terms
- —
- Up to
- —
NEW Vehicle Loans
Lowest rate
Bulldog Federal Credit Union
4.00%APR
- Terms
- 49–84 months
- Up to
- —
2nd-lowest rate
Eastern Panhandle Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.24% APR
Mountain Heritage Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mountain Heritage 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.
Motorcycles
Fees and extended warranties are limited to the purchase price and taxes.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.00% | — |
| up to 60 months | 8.00%–14.00% | — |
| up to 60 months | 8.50%–14.50% | — |
NEW Vehicle Loans
Fees and extended warranties are limited to the purchase price and taxes.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | — |
| 24–36 months | 4.00%–11.50% | For amounts up to $23,000; Term 24 or 36 months |
| up to 48 months | 6.00%–12.00% | For amounts up to $23,000 |
| up to 60 months | 6.25%–12.25% | For amounts up to $23,000 |
| up to 72 months | 7.40%–13.40% | For amounts over $23,000 |
| up to 84 months | 9.00%–15.00% | For amounts over $40,000 |
Used Vehicle Loans
100% of NADA Retail. Cars over 6 years old: max term 48 months. Cars over 10 years old: max term 36 months. Fees and extended warranties are limited to the purchase price and taxes.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.00% | — |
| 24–36 months | 4.00%–12.25% | Term 24 or 36 months |
| up to 48 months | 6.25%–12.50% | — |
| up to 60 months | 6.75%–13.00% | — |
| up to 72 months | 7.75%–14.00% | — |
Who can join Mountain Heritage Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.