Let’s get you on the road

Looking for a great rate on auto, boat or motorcycle loans?

Heritage Financial Credit Union offers competitive rates! With a wide range of terms and low rates, we can get you into your new ride easily and quickly. Let us save you money by refinancing your current loan and help you lower your monthly payments!

Get pre-approved! Knowing how much you can borrow gives you buying power during the auto loan shopping process. Stop into your nearest Heritage Financial Credit Union branch to start your auto loan pre-approval today.

We offer a variety of vehicle loans based on your qualifications

Type of LoanFixed APR* As Low As
Tier 1 Auto (Model Years 2019-2022)1.99%
Tier 2 Auto (Model Years 2014-2018)2.99%
Tier 3 Auto (Model Years 2011 - 2013)5.99%
New Boat/Motorhome/RV (2019-2022)6.50%
Used Boat/Motorhome/RV (Model Years 2014-2018)7.00%
New/Used Motorcycle/OV (Model Years 2014-2022)7.49%

Vehicle Loans Disclosures

*APR=Annual Percentage Rate. As a hypothetical example: A 36-month loan with a fixed rate of 2.49% APR would result in a payment of $28.86 per month for each $1000 financed. Actual rate may vary based on credit worthiness and down payment. 125% financing is also available for qualified borrowers. All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. Maximum term is 84 months; other terms are available. All rates are subject to change without notice. Offer may be withdrawn at any time without notice.

Vehicle Loans FAQ

To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange, Dutchess, Sullivan, Sussex, Pike or Ulster Counties, New York or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing with a $0.01 initial deposit in a savings account.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

HFCU offers a variety of vehicle loans to best fit your needs. Please refer to the vehicle loans table for more information.

The fixed APR for a vehicle loan varies depending on the type of loan and can start at 2.49%. Please refer to the vehicle loans table for more information.

HFCU offers a variety of calculators to help estimate your loan payments. For the Vehicle Loan calculator, click here.