Score Big with Cash Back!

Effective 9-1-17

Auto Loans as low as 1.99% APR

Annual Percentage Rate to a floor of 1.99%, advertised rate includes a .25% APR discount for automatic payment, ACH transfer or payroll deduction. Advertised rate also includes additional .10% APR discount for auto payment from HEFCU checking account. Rate is based on approval. Approval is not guaranteed. Actual APR may increase due to $50.00 documentation fee. Minimum credit score of 690 is required to receive advertised rate and term. Rate is subject to credit qualifications and certain terms, restrictions and conditions, not all members will qualify for the lowest rate. (Payment example – a loan of $20,000 at 1.99 APR for 36 months will yield a monthly payment of $574.21. This includes a $50.00 documentation fee.) To receive 36 month financing, vehicle must be a new purchase of 2007 or newer.

No Payments for 90 Days

Interest will begin to accrue at time of disbursement.

$100 Cash Back

To receive the $100, the loan must be from an external financial institution. $100 will be deposited into account holder’s savings account upon loan disbursement. Current HEFCU auto loans do not qualify for cash back.

To apply, visit one of our offices or apply online at by clicking here.

Federally Insured by the NCUA

For a limited time only. Membership eligibility required.