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Welcome Tri State Area FCU Members to Heritage Family Credit Union!

Now that the banking system transition is complete, we want to officially welcome you to HFCU! We’ve prepared a wide range of resources to make settling into your new financial home a little easier. 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

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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

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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

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Get Extra Protection and Peace of Mind

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) helps reduce or eliminate the shortfall between what your auto insurance will cover and what you owe on your loan if your vehicle is deemed a total loss 5 .

Mechanical Repair Coverage

Mechanical Repair Coverage (MRC) provides peace of mind with benefits such as rental reimbursement, 24-hour emergency roadside assistance, and no out-of-pocket expense (except for any deductible) 6 .

Chat with us to get started

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Debt Protection

With MEMBER'S CHOICE™ Borrower's Security, you can breathe a bit easier knowing that your loan payments won't stop if you become disabled or involuntarily unemployed. Life, Disability, and Involuntary Unemployment Protection is available on all consumer loans. And since HFCU offers low group rates, you’re able to be prepared while keeping more money in your pocket. Debt protection can be added or changed at any time during the life of your loan, giving you all the flexibility you need.

Contact us to learn more

Disclosures

1 APR = Annual Percentage Rate.

2 Rates "as low as." Rate based on your credit history. Add 1.00% APR for non-vehicle (motorcycles, ATVs, snowmobiles, side by sides, RVs, campers, boats, etc.) secured loans. 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. 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 Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan 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 your loan amount 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 purchase from state chartered credit unions in FL, GA, IA, 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 choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchase 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. GAP purchase from state chartered credit unions in IN may be without a refund provision. If the Credit Union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. Unique ID & Copyright GAP-3415626.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.

6 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Unique ID & Copyright MRC-3415612.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.