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Personal Loans 

Auto Loans

New & Used Vehicles

  • Terms up to 84 months
  • Rates as low as 1.99% APR
  • 125% financing available (including tax and license)
  • Financing available for vehicles up to 12 years of age
  • Loan amounts from $5,000 to $75,000
  • Go Green: 0.50% rate discount with the purchase of a Hybrid or alternative fuel vehicle*
  • Buy from a dealer, private party, or buy out a lease
  • Refinance an existing loan from another auto lender and save on your monthly payment!
  • Guaranteed Auto Protection, Mechanical Breakdown Protection and Blue Diamond Debt Cancellation available.

Representative Payment: $15,000 loan at 1.99% APR requires 65 payments of $240.24 with a final payment of $232.76. *Applies to the purchase of a Hybrid or alternative fuel vehicle financed through HCCU. Cannot be combined with promotional discounts or incentives. 

Credit Union Direct Lending®

Get your HCCU auto loan right at the dealership! HCCU participates in the Credit Union Direct Lending® (CUDL) program, allowing you access to hundreds of dealerships that can get your HCCU auto loan approved through the CUDL automated loan approval system. Just visit any participating CUDL dealer, request Heritage as your lender, and drive away in your new or used vehicle, all in one visit!

Get started today by visiting HCCU's CUDL AutoSMART site! CUDL AutoSMART™ offers a variety of convenient online features, such as the Kelley Blue Book new and used vehicle pricing guide and the CUDL Auto Buying Program that allows you to research vehicles side-by-side and request a quote on a new vehicle from three participating CUDL Auto Buying Program dealers.

To locate a CUDL dealer over the phone, call the Credit Union Direct Lending staff for assistance at


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