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Attention Former TSAFCU Members

Please visit our merger resources page for more information around updating account information. If you have any questions, please do not hesitate to let a member of your branch team know or call us at 888.252.8932.

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Auto Loans

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FIND WHEELS AND DEALS WITH AutoSMART

Not sure where to start looking for a new car? Let AutoSMART take the wheel and all your worries away.

  • Search for a used car or build the vehicle of your dreams.
  • Use the built-in calculator to estimate your monthly payment.
  • Shop local Plus Dealers for more transparency, confidence, and convenience.

Shop Online with AutoSMART

A RV and a motorcycle are parked next to a misty lake

Loans for every adventure

Recreational Vehicle Loans

Whether it’s by land, sea, or snow, let our great rates, flexible terms, and friendly service fuel your next adventure. If you’re ready to buy a new or used recreational vehicle - or looking to refinance – HFCU has you covered with loans for:

  • Campers
  • ATVs
  • Snowmobiles
  • Boats

Apply for a Recreational Vehicle loan  Check Non-Auto Loan Rates

An electric car sits parked and charging

recharge your options

Green auto loans

  • A discount of .50% APR 4 off regular secured loan rates will be offered.
  • Extended terms are available for up to 84 months.
  • Available on high fuel economy-rated vehicles with an average of 30 mpg city and highway miles or better.
  • Miles per gallon (MPG) calculated according to information found at JDPower.com

Apply For a Green Auto Loan  Check Auto Rates

Holding hands above toy car in protection

GUARANTEED ASSET PROTECTION (GAP)

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle.


If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan that your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. 5 .

Essential financial protection on your vehicle loan that helps you drive with confidence. Contact HFCU today about how we can help protect you from sudden out-of-pocket expenses with GAP.

Chat with us to get started

A life buoy lays nearby ready to assist

Life can take some unexpected turns. That’s why there’s Debt Protection 6

Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:

  • Involuntary Unemployment
  • Disability
  • Death

Take an important step toward financial security. Ask Heritage Family Credit Union about Debt Protection today.

Contact us to learn more

Disclosures

1 APR = Annual Percentage Rate.

2 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

3 Rate displayed is the lowest rate available. Loan rates will vary based on credit qualifications and all loans are subject to credit approval. Payment example: 36 monthly payments at 5.00% APR would be $29.97 per $1,000 borrowed. All rates subject to change without notice. Initial $25 deposit for membership required. Terms and conditions subject to change without notice. Certain restrictions apply.

4 APR=Annual Percentage Rate. To receive advertised rate discount, member must disclose intention to purchase an eligible vehicle at time of loan application. Rates published on this website do not currently account for this discount of 0.50% APR off auto loan rates. Some exclusions and restrictions apply. All loans subject to credit approval. This offer is subject to change or cancellation without notice.

5 GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.  GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee. © TruStage GAP-3415621.3-0124-0226

6 Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. © TruStage DP-3415586.2-1123-1225