• Savings
  • Checking
  • Loans
  • Insurance
  • eServices
  • More Services
  • Resources
  • About Us


Personal Loans

Auto Loans

New & Used Vehicles

  • Terms up to 84 months
  • Rates as low as 2.69% APR
  • No Payments for 90 Days1
  • 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, Electric or Solar vehicle2
  • 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.

1Finance charges begin to accrue upon loan disbursal and will continue to accrue during the “no payment” deferral period. No payment deferral period will increase the total finance charges borrower will pay over life of loan. Not valid for internal refinances; external refinances and new purchases only. Representative Payment: $15,000 loan at 2.69% APR requires 65 payments of $245.14 with a final payment of $237.89. 2Applies to the purchase of a Hybrid, Electric or Solar vehicle financed through HCCU. Cannot be combined with promotional discounts or incentives.

MEMBERS: To apply for an auto or personal loan, log onto HCCU Online Banking. At the top menu line, click on “Additional Services”. From the drop down menu, select “Loan Application”.

members apply    non members apply

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


eHCCU-Online Banking
Account Access Security

NCUA Equal Housing Lender Verisign Privacy and Security

HCCU NMLS#454785

Digital Insight