Auto Loans

Applying for a vehicle loan is easy and convenient.

Already a member? Apply thru online banking, in person, by mail or via phone/fax.

Apply Now via Online Banking

New to Members Heritage?

Apply Here!

PROMOTIONAL RATE – As low as 1.99% APR*
Terms up to 59 months
100% Financing Available

  • 100% financing available on new and pre-owned vehicles.
  • Terms up to 84 months with fixed rates.  (Check our Current Rates.)
  • Extended warranty and GAP insurance options.
  • Indirect Lending Program allows you to finance with us at the dealership.
  • No application or processing fees.
  • Choose to make payments by automatic deductions from your account.
  • No prepayment penalty.
  • Click here for information regarding the Extended Warranty Program.
  • Auto Insurance coverage plans available with Members Insurance Services.
  • Other types of vehicle financing available with variable rate Secured Loan: ATV’s, RV’s, motor homes, boats, farm equipment and motorcycles.
  • Hybrid & Electric Vehicle Discount Available

New to Members Heritage?  Apply Here!

Print Application

*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.

Complete financing with the credit union right at the 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.

*All loans subject to approval. Members Heritage complies with the Equal Credit Opportunity Act.





*$10,000 minimum loan amount.  Does not include in-house refinances.



Skip a Loan Payment

Need Some Extra Cash?  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.



*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.