Auto Loans - Members Heritage Credit Union

New Car Loans & Used Car Loans

Make your new car dreams a reality with our hassle-free new car loans.

Promotional Rate as low as 2.49% APR* for terms up to 59 months

100% financing available.
Loan terms up to 84 months with fixed rates.
No application or processing fees.
No prepayment penalty.
Skip-A-Payment option available when you need a little extra cash.
Option to make payments by automatic deductions from your account.
Hybrid & Electric Vehicle Discount Available

Pre Qualify Now or Learn More

Auto Loan Refinancing

Save money by refinancing your current auto loan. Rates as low as 2.49% APR*.

100% financing available.
Loan terms up to 84 months with fixed rates.
No application or processing fees.
No prepayment penalty.
Skip-A-Payment option available when you need a little extra cash.
Option to make payments by automatic deductions from your account.

Pre Qualify Now or Learn More

Members Heritage Auto Loan Benefits

With an auto loan from Members Heritage, you get spectacular rates and unique member benefits you can’t get anywhere else.

Get the Perfect Payment With Our Flexible Loan Terms

Shop Stress-Free With Our Car Buying Service

Manage Your Account With Online & Mobile Banking

Protect Your Investment With GAP & Mechanical Breakdown Protection

Pay Your Loan Off When You’re Ready-Without Penalty

Enjoy Outstanding Local Service-Online, By Phone or in a Branch

Testimonials

Terry C.
“Eva & Kelly are incredible to work with! Kuddos & extra thanks to Eva for going above & beyond to help resolve some questions after the fact! Both ladies provide exemplary customer service. Thank you.”

Pam F.
“The whole process was quick & seamless!! Thank you! Love Members Heritage!”

It’s Quick and Easy to Apply for an Auto Loan

1. Apply Online

Apply through our member portal- it’s quick and easy!

2. Sign Your Loan

Agree to the loan amount, rates, and terms.

3. Buy Your New or Used Auto

Use the loan to buy your new or used auto!

Apply Now

Finance With Us Right at Your Local Dealership

Shop for your dream car at participating Indirect Lending dealerships and finance with Members Heritage right on the lot. There’s no need to make a special trip to the credit union to apply for a loan. Just tell the salesperson you are a Members Heritage member, and you want financing through your credit union. Dealers can even open new credit union member accounts, so tell your family members that they may be eligible for our financing.

Click here for a list of participating dealerships.

Members Heritage Skip an Auto Loan Payment

Need Some Extra Cash? We’ve got you covered. You can now skip a loan payment** and have more cash when you want it! One Skip-A-Payment is permitted per loan per calendar year. There is a $20 fee for each loan payment that is skipped.

To take advantage of this offer, complete this online application.

For a printable version, click here.

Members Heritage Car Buying Service

Take advantage of exclusive discount pricing for new and used autos with our Members Heritage Car Buying Service, powered by TRUECar. With an average guaranteed savings of $3,353 off MSRP*** and a convenient car shopping portal, this is a benefit you won’t want to pass up.

Click here to start saving with Members Heritage Car Buying Service.

Other Auto Loan Resources

Extended Warranty

Protect your new auto with an extended warranty that covers repairs due to mechanical breakdowns.
Learn More

Auto Insurance

Get excellent coverage for a low monthly premium with Members Insurance Services.
Learn More

Ready to Apply for an Auto Loan?

We’d love to help you buy your next car. Our online auto financing application is quick and easy.

Already a member?
Apply Now

New to Members Heritage?
Apply Now

^*APR = Annual Percentage Rate Rate may vary depending on your creditworthiness. Please ask a Member Service Officer for details regarding how your rate is determined.

^**APR=Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act. All credit offers and rates subject to approval. Your rate may be higher based on your credit history. In-house refinances require an additional $1000 in new money. Auto loan rate shown based on 100% financing.

^**In order to participate, all loans must be current and accounts must be in good standing. Loans that have had an extension or payment modification, within the last year may not qualify. This offers does not apply to mortgages, home equity loans/2nd mortgages or credit cards. Interest will continue to accrue on your loan during the month you skip your payment. Future claims for credit disability, credit life insurance and GAP claims may be affected by participating in the program. Skipped payment will be added to the end of the loan contract. Some restrictions apply.

^***Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $3,533.Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

For questions about the Members Heritage CU Car Buying Service please call 1-866-619-1191.

TrueCar, Inc. (“TrueCar”) operates this information publishing website (“Service”) that features pricing, performance, technical and safety data available for new and used car/truck purchases at participating dealers. The lowest possible price is not guaranteed. The Service is not available in all locations.

Certified Dealers are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program. Neither TrueCar nor Members Heritage CU brokers, sells, or leases motor vehicles. Unless otherwise noted, all vehicles shown on this website are offered for sale by licensed motor vehicle dealers. Used vehicles are subject to prior sale. By accessing this website, you agree to the TrueCar Terms of Service and Privacy Policy.