Credit union · NCUA insured
Parks Heritage Federal Credit Union Auto Loan Rates
Top CarrotParks Heritage Federal Credit Union auto loans start at 4.00% APR for a new vehicle and 4.00% for a used one. Rates checked October 16, 2026.
How Parks Heritage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Glens Falls, NY, where Parks Heritage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Parks Heritage Federal Credit Union
4.00%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Auto Loans
2nd-lowest rate
TCT FCU
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Cooper's Cave Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 12.25% APR
- Discount
- None included
Parks Heritage Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew4.00%
- Used vehicleUsed4.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Parks 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.
Auto Loans
Membership is open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members; a $5 deposit into a Share Savings Account is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.00% | Disclosed consumer rate is for top tier credit (740+ score) for shortest available term and includes a 0.25% APR discount for having a checking account with direct deposit and automatic payment set up for the loan. Terms up to 84 months available for new or used vehicle purchase or refinance. |
Who can join Parks Heritage 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, or attends school in Warren, Washington, Saratoga, Essex, or Hamilton counties of upstate New York.
Membership information collected October 5, 2026.