Competitive interest rates on your terms
Whether you're buying your first vehicle, or it's time to upgrade to a new one, we offer a wide range of terms
so you can find the auto loan that best fits your needs. Our terms cover both new and used vehicles with rates starting at 2.24%. Our application process is quick and easy, so you won't have to sift through piles of paperwork.
Shopping for a vehicle is no small undertaking, and knowing whether you’re getting the best deal possible is sometimes easier said than done. That’s where we come in. Before you even step onto the lot, First Heritage Federal Credit Union can help you get pre-approved for an auto loan, so you can car shop with confidence.
estimate your payment
Before you apply, our easy to use loan calculator can help you estimate what your monthly payments will be depending on how much the vehicle is, the down payment you’d like to make, and the term of the loan. When it comes to big financial decisions, we believe the more informed you can be, the better.
We’re aware that a vehicle is a big investment, and the unexpected is often lingering just around the corner. We offer you the means to protect your investment from the unexpected with GAP, Mechanical Breakdown and Credit Insurance, so you can have peace of mind.
If your vehicle is totaled or stolen before you’ve paid off your loan, this type of insurance can help you cover the difference between the balance of your loan and what your insurance company pays if your vehicle is considered a total loss.
This type of protection will cover mechanical breakdowns that aren’t covered by the original manufacturer’s warranty.
Credit life insurance will cover your car loan in the event of death, and credit disability insurance will help you make payments on your loan if you’re ill or injured and not able to work.
Auto insurance is a requirement and as a First Heritage Federal Credit Union member you could be eligible for discounted rates. Quotes are free from a licensed agent and switching can be easy.
With our direct lending services, we can offer on-the-spot financing right at the dealership, so you can drive your new car home as soon as possible. Just tell any of these dealers you want low-cost, First Heritage financing. It’s that easy!
||Simmons-Rockwell, Williams Auto Group
||Matthews Motor Company
||Walters Elkland Chevrolet
||Williams Auto Group, Elm Chevrolet, Ferrario Auto Team
||Simmons-Rockwell, Lamac's Unlimited, Maple City Dodge
||Fox Auto Group, Chilson-Wilcox
||Friendly Chrysler Dodge Jeep
||Williams Auto Group
||Darrow's Motor Company, All Wheels Driven
First Heritage Federal Credit Union is proud to service the areas of Painted Post, Corning, and Elmira New York, and Mansfield and Wellsboro Pennsylvania.
Apply online for an auto loan today!
2019 drive away hunger campaign
Together we raised over $7,500.00!
"Twenty-two thousand meals will be able to be distributed out to our community members who are in need with this check alone"
-Food Bank of the Southern Tier Major Giving Officer,
As we wrap up another successful Drive Away Hunger campaign, we want to thank the Food Bank of the Southern Tier, all the participating dealerships, as well as our members. Together we can build and sustain hunger-free communities throughout the Southern Tier!
"...we are really a partner in the community and that is something that we are proud of"
-First Heritage FCU Business Sales Manager, Julie Monahan
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.”Not all applicants will qualify for the lowest rate.
This credit union is federally insured by the National Credit Union Administration.
APR=Annual Percentage Rate. Credit score will determine your rate. Other rates and terms available. Not all borrowers will qualify for the lowest rate. Monthly payment per $1,000 at 2.24% APR for 36 months is approximately $28.75 Approval subject to our credit granting terms and conditions. All rates and offerings subject to change or termination without notice.
We offer auto loans for our members near Painted Post, Addison, Corning, Elmira Heights, Hornell, Southport & Horseheads in NY and Mansfield & Wellsboro in PA. Interested in coming in to learn more? Check out our hours & locations.