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Contact us directly to take advantage of our 0% APR* & no payments for 90 days.
Call 607.936.4667 or toll-free at 800.833.3338 ext. 707 within 30 days of purchase.

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.


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.

Debt Protection

Debt Protection plan options will cover all or part of your obligation to repay a loan due to specified events, such as death, disability or involuntary unemployment.

TruStage Auto Insurance
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.

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
Big Flats Simmons-Rockwell, Williams Auto Group
Campbell Hillside Motors
Corning / Painted Post Fox Auto Group, Chilson-Wilcox
Covington Matthews Motor Company
Dansville Dansville Chevrolet
Elkland Walters Elkland Chevrolet
Elmira Williams Auto Group, Elm Chevrolet, Ferrario Auto Team
Geneva Friendly Ford
Hornell Simmons-Rockwell, Lamac's Unlimited, Maple City Dodge

Snell Auto Sales, Ferrario Auto Team, Williams Auto Group, Simmons-Rockwell

Lawrenceville Chilson-Wilcox
Mansfield (area) Mansfield Motors, Blaise Alexander, Matthews Motor Company
Penn Yan Friendly Dodge Jeep Chrysler 
Sayre Williams Auto Group
Towanda Towanda Chevrolet, Snell Auto Sales
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.
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.

*APR= Annual Percentage Rate. 0% APR for 90 days. After 90 days rate will revert to our current fixed rate as low as 1.99% APR. Vehicle must be model year 2016 or newer. Credit restrictions apply. Other rates and terms available. Not all borrowers will qualify for the lowest rate. Sample monthly payment of $20,000 at 1.99% APR for 36 months is approximately $572.75. Approval subject to our credit granting terms and conditions. New money only. All rates and offerings subject to change or termination without notice. Must be redeemed within 30 days of purchase. Offer may be revoked at any time.