Lower Auto Rates
Rev Up Your
Imagination
Lower Auto Rates
Rev Up Your
Imagination
If Your Dream Car Hugs The Curves, You’ll Want To Hug Us
Heritage Valley keeps you ahead of the curve, with great rates and friendly local lenders. For a limited time,
we help pave the way with 3.99% APR*, fast approvals and extended terms up to 60 months.
Low Rates
Take advantage of our limited-time low promotional auto rate with extended terms up to 60 months with 90 days no payments.
Get Preapproved
Don’t have a specific vehicle in mind? Our simple approval process helps you know what you can afford in minutes, before you shop.
New, Used Or Refi
If you are buying brand new, pre-owned or need to refinance your current auto loan for a lower rate, we have the lending program for you.
First-Time Car Buyer?
We offer auto loans designed for those with little to no credit, and who have never financed a car.
Less Red Tape. More Blue Horizon.
Isn’t it time you lowered your APR and raised your RPMs? We make auto lending effortless with competitive rates, flexible terms and easy online applications so you can answer the call of the open road.
You’re Buying Fully Loaded.
You Need To Save A Load.
At Heritage Valley, our auto loans pass the new car smell test.
You can always bank on lower rates that give you higher expectations.
Looking For Fast And Streamlined?
You’ll Like Our Auto Loans.
If you’re in the market for a camper, trailer, watercraft or motorcycle,
we have great lending programs for that too!
Lower Auto Rates Let You Test Drive Your Bucket List
Get a predictably low rate for less predictable weekends and check off more on your can’t wait to do list.
It’s just one of the many ways we focus on perks for our members! Apply today and get preapproved before you shop!
*APR=Annual Percentage Rate. Auto loan promotional rate is accurate as of February 1, 2026. The 3.99% APR is a promotional fixed rate based on a 5-year term for 2024-2026 model years and enrolling in automatic payments. Rate is based on credit worthiness and may be higher based on method of payment, credit worthiness and/or age of the vehicle being financed. Current Heritage Valley auto loans are excluded from the promotion. Promotional rate offered may be discontinued at any time without notice. Other great rates are available for other terms and model years. Credit union membership required. Other terms apply.