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Autos
New Vehicles
If the car of your dreams is less than 2 years of age and has never been registered, take advantage of our competitive new car financing options.- Terms up to 84 months
- 100% financing available
- Loan amounts from $5,000 - $75,000
- Competitive rates that reward members who have protected their credit while allowing members with a less than perfect credit history the opportunity to rebuild their credit
Used Vehicles
For autos up to 8 years of age, Heritage offers competitive financing options.- Terms up to 84 months
- 100% financing available
- Loan amounts from $5,000 - $75,000
- Competitive rates that reward members who have protected their credit while allowing members with a less than perfect credit history the opportunity to rebuild their credit
Apply online, or for more information, send an E-mail to our Call Center or call 916.364.1700 or 800.233.6328.
Loan Protection Solutions
HCCU offers additional services created for your peace of mind.- Blue Diamond Loan Protection - Pays off your loan in the event of your death and/or makes your loan payments during the period you are disabled (certain restrictions apply).
- Mechanical Breakdown Insurance (MBI) - Replaces or adds coverage to your auto's warranty - even if the vehicle is not financed at HCCU. Available for both new and used auto loans and often saves members hundreds of dollars over comparable coverage purchased elsewhere.
- Guaranteed Auto Protection (GAP) - A reimbursement program that protects you if your vehicle is stolen or destroyed. GAP pays the deficiency balance between the actual cash value of the vehicle at the time of loss and the adjusted balance of the loan.
- Property and Casualty Insurance - Through a strategic alliance with Members® Auto and Home Insurance (a Liberty Mutual partner), representatives will do the work for you - finding the best coverage and rates available for automobile, homeowner, motorcycle, boat and recreational vehicle insurance policies. Obtain a free no obligation quote online or call (888) 589-6002 or use the agent locator to find the local Liberty Mutual sales office.
Auto Buying Services
Credit Union Direct Lending®
Get your Heritage 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 Heritage auto loan approved through the CUDL automated loan approval system. Just visit any participating CUDL dealer, request your Heritage financing through the CUDL system, and drive away in your new or used vehicle, all in one visit!To find a participating CUDL dealer near you, click here. Or, speak to a Credit Union Direct Lending staff member who can help you locate a dealer by calling 888-CUDIREC[T]. 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. Click here to view the current issue of the CUDL AutoSMART™ Magazine online.
Enterprise Car Sales®
Enterprise Car Sales offers no-haggle pricing so you can avoid unpleasant negotiations and sales games. You'll be pleased with their professional people and low-pressure sales approach. Every vehicle they sell comes with their Perfect Used Car Package® to ensure your complete satisfaction.If you buy an Enterprise car, and you change your mind, they’ll will buy it back, no questions asked. They will give you up to 7 days or 1,000 miles to make sure your next used car is your perfect car. Find out more
Whether you are looking for a used truck, car, van or SUV, they have your next vehicle. They hand select used vehicles, most from the Enterprise Rent-A-Car fleet of more than 700,000, to offer unsurpassed quality and value. Search for certified used cars online.
Rest assured that their used cars are a great value. Their no-haggle prices are below Kelley Blue Book® Value. And the price you see is the price you pay. Period. Find out more about their used car prices.
Call Enterprise Car Sales at: 1-800-Car-Sales (1-800-227-7253)
Autoland®
Autoland was designed to serve credit unions and their members. With over 30 years of experience, they have delivered hundreds of thousands of vehicles to satisfied credit union members. Autoland is your partner through the entire shopping and auto-buying experience, from the pre-approval to delivery and beyond.Autoland is proud of its 60 branches which span the entire West Coast. They serve hundreds of credit unions, reaching millions of credit union members.
With HCCU's great rates and Autoland's simple one-price policy, you can drive home a vehicle that's right for you! Click here for more Autoland info.
