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Auto Loan Low Payment Program

As your local credit union, our goal is to be here when you need us. And whether you need to purchase a new car or refinance the one you have, qualified borrowers can get a lower rate and defer your first payment:

  • Get a 0.25% rate discount on auto loan purchases and non-Heritage Credit Union auto loan refinances°
  • Make no payments for 90 days**
  • Apply online, e-sign your documents, and choose the method to fund auto loan

Use promo code 2020LOWRATE on your online application to apply for your auto loan rate discount.

Do you have questions? Contact your local Heritage branch >

Our process is fast and simple. Here's what one of our members had to say:

“Best Loan Experience ever. Smooth and Quick.”

- Scott, Heritage Member

Get pre-approved before you go to the dealer.

Whether you’re buying a new or used car or truck, getting pre-approved before setting foot on the dealership lot will make shopping easier.


°All offers subject to qualified credit. Accountholder must be 16 years of age or older. Applicants must either be current Heritage Credit Union members or qualify for membership. New members are subject to member eligibility and an initial deposit of $5 into a primary savings account. Auto loan rate discount of 0.25% applies to normal posted rates and cannot be used with other loan specials or rate matches. Promotion runs June 16, 2020 through September 7, 2020. Promotion is subject to change and can end at any time. **Subject to qualified credit. Interest will accrue during 90-day no payment period. Promotion may change or end at any time.

7 Year ARM Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*