Credit union · NCUA insured
United Heritage Credit Union Auto Loan Rates
United Heritage Credit Union auto loans start at 5.44% APR for a new vehicle and 5.44% for a used one. Rates checked October 16, 2026.
How United Heritage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Austin, TX, where United Heritage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Heritage Credit Union
5.44%APR
- Terms
- 49–60 months
- Discount
- None included
New/Used Auto Loan
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
United Heritage Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Heritage 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.
New/Used Auto Loan
Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Offers not eligible on existing United Heritage loans. Rates and fees subject to change without notice. APR applies to well-qualified borrowers. APR dependent on collateral, loan amount, credit and term selected.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates as low as 3.99% APR for 0 to 36 months. |
| 37–48 months | 5.09% | Rates as low as 5.09% APR for 37 to 48 months. |
| 49–60 months | 5.44% | Rates as low as 5.44% APR for 49 to 60 months. |
| 61–72 months | 5.64% | Rates as low as 5.64% APR for 61 to 72 months. |
| 73–84 months | 6.09% | Rates as low as 6.09% APR for 73 to 84 months. |
Sources (1)
- uhcu.org/loans/vehicle-loans/auto-loans · captured Oct 7, 2026
Who can join United Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business membership is open to corporations, sole proprietorships, LLCs, or partnerships located in Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt, or Wood counties.
- Business membership is open to businesses anywhere in the state of Texas.
- Membership is open to the Central Texas, Austin, and Tyler communities.
Other ways
- Business membership is open if you are a current member of United Heritage.
Membership information collected October 5, 2026.