Rates Calculator

With our great rates and flexible terms, you'll drive away happy.

  • Refinance vehicles financed elsewhere to potentially lower your rate
  • Flexible repayment terms
  • Up to 125% financing available on all purchases
    • Loan amounts from $5,000 to $75,000
  • View Rates
  • Pre-approvals for extra buying power when negotiating
  • Find a better deal on your next purchase with CUDL AutoSMART
  • Find a quality used vehicle at a no-haggle price through Enterprise Car Sales
  • Car buying service available through Autoland®
  • Loan protection is available for all financed vehicles:
    • Auto Insurance through HCCU Insurance Agency
    • Loan protection through Blue Diamond
    • GAP insurance
    • Mechanical breakdown protection (MBP)
  • Local decision-making and processing right here in the Greater Sacramento area
  • Helpful, customized service throughout the entire process

Evidence of insurance is required as a condition of your auto loan agreement. You may use this secure site to submit proof of insurance, check the status of your insurance, or view insurance history. Or call 877-621-1093 for assistance.

All loans are subject to approval..

Auto Buying Services

Save time and maximize your dollars.

Through our third-party relationships with various auto buying agencies, we make shopping for your next vehicle easy and hassle-free. Whether you are looking for a quality used vehicle or a brand new one off the lot, the auto buying agencies can find the perfect quality vehicle for you at a member-friendly price! Plus, save time browsing the dealerships by shopping through their inventories online at your convenience. To maximize your buying power, apply for financing from HCCU. 

Get your HCCU auto loan right at the dealership!

HCCU participates in the Credit Union Direct Lending (CUDL) AutoSMART™ program, allowing you access to hundreds of dealerships. Apply to get your HCCU auto loan pre-approved through the CUDL automated loan approval system. 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 888.CUDIREC[T].

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. Each used vehicle is handpicked, most from the Enterprise Rent-A-Car fleet of more than 1 million used vehicles to offer unsurpassed quality and value.

Rest assured that their used cars are a great value and the price you see is the price you pay. Period. For more information, call Enterprise Car Sales at 1.800.Car.Sales (1.800.227.7253) or visit our joint website.


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!

Visit Autoland online to learn how they can help you find your perfect car.

Loan Protection

Blue Diamond Loan Protection*

Have you ever considered how you or your family would cover your financial obligations, such as the payment on your auto loan or home equity loan, if you fell victim to an unfortunate event?

Blue Diamond Loan Protection from Heritage Community Credit Union is a voluntary payment protection product to cover our members in the event of a death, injury, or involuntary unemployment. Protection is available for consumer and home equity loans and the amount of protection is customized to cover your specific loan balance(s). 

  • Simple eligibility requirements
  • Coverage for up to 2 borrowers
  • Premiums that can be financed into your monthly loan payment
  • Maximum protection of $50,000 on consumer loans for loss of life
  • Maximum protection of $100,000 on home equity loans for loss of life

For more information about plan options or to purchase Blue Diamond Loan Protection, visit one of our branch locations or call our Contact Center at 916.364.1700 or 800.233.6328

*Coverage provided through CUNA Mutual Group. Restrictions may apply.

Guaranteed Auto Protection (GAP)*

Protects your vehicle in the event it is stolen or totaled in a car accident. GAP will effectively pay the difference between the cash value of your vehicle at the event and how much you still owe on your loan.

Since the value of vehicles decline during the first few years of ownership, this protection could potentially save you from continuing to pay on a loan for a vehicle that is no longer operable or in your possession.

  • Coverage available for new, used, and refinanced vehicles.
  • Auto Deductible Reimbursement (ADR) pays up to $500 (limit two losses per year) when a claim is filed and paid with primary insurance carrier.
  • An additional $1,000 towards the purchase of a replacement vehicle when financed with HCCU.
  • A low cost premium of only $499* that can be financed into the loan amount.
  • Save hundreds of dollars off GAP purchased at a car dealership!
  • Payment benefits up to 150% LTV coverage at the time of loss , not to exceed $50,000.

*Premium for recreational vehicles, including boats, travel trailers, and motor homes, may vary. GAP is underwritten by Allied Solutions. Other conditions may apply.

Mechanical Breakdown Protection (MBP)*

Replaces or adds coverage to the manufacture warranty on your vehicle in the event of a mechanical failure or breakdown. Having MBP reduces your out-of-pocket costs for items such as replacing parts for your engine, transmission, air conditioning, electrical system, etc., often saving you hundreds of dollars over the coverage period*. 

  • Coverage is available for new or used vehicles.
  • 4 different plan levels for customized coverage.
  • A low-cost premium that can be financed into the loan amount (financing not a requirement).
  • Rental car assistance, road hazard tire protection, 24-hour roadside assistance and towing, and trip interruption reimbursement.
  • Payment benefits up to $50,000.

*Specific items covered varies by plan selected. MBP is underwritten by Allied Solutions and can only be purchased while the vehicle is still under full manufacturer warranty. Deductible may vary. Other conditions may apply.