Credit union · NCUA insured
The Heart Center FCU Auto Loan Rates
The Heart Center FCU auto loans start at 4.25% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How The Heart Center FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Heart Center FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The Heart Center FCU
4.25%APR
- Terms
- up to 72 months
- Discount
- None included
New Auto
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
The Heart Center FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Heart Center 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.
New Auto
Subject to credit approval. Available to members within the healthcare services sector. Maximum loan amount is $75,000 with terms up to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | Rate is as low as 4.25%; subject to credit approval. Applicants not approved at these rates or terms may be offered credit at a higher rate and/or different terms. |
Used Auto
Subject to credit approval. Available to members within the healthcare services sector. Maximum loan amount is $75,000 with terms up to 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Rate is as low as 4.99%; subject to credit approval. Applicants not approved at these rates or terms may be offered credit at a higher rate and/or different terms. |
Who can join The Heart Center FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of CHSLI who work in Melville, NY are eligible for membership.
- Employees of CHSLI who work in Rockville Centre, NY are eligible for membership.
- Employees of Our Lady of Consolation Nursing Care Center in West Islip, NY who are paid from Rockville Centre are eligible for membership.
- Employees of Nursing Sisters home care of CHSLI who work in or are supervised from Westbury, NY are eligible for membership.
- Employees, doctors, and medical staff who work at or are paid from St. Francis Hospital in Roslyn, NY are eligible for membership.
Family and household
- Immediate family members and household members of eligible individuals are eligible for membership.
Membership information collected October 5, 2026.