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A woman with sunglasses buckles her young child into a car seat.

Nothing’s more exciting than a new car, unless it’s unbeatable financing.

 

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 2.74%. Our application process is quick and easy, so you won't have to sift through piles of paperwork.


 
get pre-approved
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.


Investment Protection
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.
GAP (Guaranteed Asset Protection) Insurance

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.

Mechanical Breakdown Protection

This type of protection will cover mechanical breakdowns that aren’t covered by the original manufacturer’s warranty.

Credit life and disability insurance

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.

More information on protection programs


on-the-spot financing

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!



Bath Simmons-Rockwell
Covington Matthews Motor Company
Elkland Walters Chevrolet
Elmira Williams Toyota of Elmira, Elm Chevrolet, Ferrario Auto Team, Williams Honda
Horseheads Simmons-Rockwell
Hornell Simmons-Rockwell, Lamac's, Maple City Dodge
Mansfield Blaise Alexander, Mansfield Motors
Painted Post Fox Auto Group, Chilson- Wilcox
Penn Yan Friendly Auto
Sayre Williams Auto Group, Williams Subaru
Wellsboro 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!

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.