Auto Loans

Our experts can help you find, finance, and insure your automobile, motorcycle, or recreational vehicle.  Save more each month by refinancing your auto loan, or use American Heritage to finance the purchase of your new or used auto!

Head out onto the open road with vehicle financing solutions from American Heritage Credit Union.

Now is the perfect time to purchase or refinance your auto with no payments for the first two months on a 63-month term loan with rates as low as 5.99% APR.*

Not sure if refinancing is right for you? Check out our Q&A!

Get members-only discounts on vehicle protection with our partner Liberty Mutual Insurance! Take advantage of high-quality coverage, 24/7 claims service, an online portal, and competitive prices today.



Auto prices have soared by 44% over the last five years. When your lease comes to an end, should you return your car for a different model, or buy out the lease on the car you've already got? Check out this blog to find out.

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Member Benefits


Avoid the negotiation tactics at the dealership with this great vehicle shopping service. With CUDL AutoSMART, you can research your vehicle, get pre-approved, and lock in your savings before you purchase your car.

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  • Member Protection

  • GAP Insurance for vehicles purchased with long loan terms

  • Mechanical Repair Coverage for insurance against high-cost repairs

  • Death, Disability and Involuntary Unemployment Insurance to protect your family against injury or death

  • Discount rate auto insurance from our partners: Liberty Mutual Insurance & Nationwide Insurance: The Kenney Agency

  • Protect the value of your vehicle so you can focus on your other important finances.

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New & Used Motor Vehicle Loans

  • Low monthly payments
  • Competitive interest rates
  • New and Used Auto Loan terms up to 84 months
  • Get into the vehicle you want with a competitive interest rate and up to 84 months in loan terms.

Motorcycle Loans

  • Low monthly payments
  • Competitive interest rates
  • Financing up to $40,000
  • Loan terms up to 72 months
  • Ready to upgrade to your dream bike? Take advantage of competitive interest rates and loan terms up to 72 mos.

Recreational Vehicle Loans

  • Low monthly payments
  • Competitive interest rates
  • Financing up to $100,000
  • Loan terms up to 15 years
  • We offer loans for pop-up campers, trailer campers, 5th-wheel campers, and self-propelled motor homes.

Need more tips on this big purchase?

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Auto Loan Rates (2021 - 2024)

Terms APR* As Low As
Up to 63 Months 5.99%
64 to 75 Months 6.24%
76 - 84 Months 6.99%

Need more tips on this big purchase?

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All offers are subject to change without prior notice.

*Rates and promotions effective as of June 7, 2024, and are subject to be cancelled, extended, or changed without notice. Annual Percentage Rate (APR) for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Credit Union account. APR is increased by .25% without payroll deduction or automatic payment. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments. Sample Monthly Payment: $18.78 for every $1,000 borrowed at 6.49% APR at 63 months. Monthly payment (per $1,000) examples are based on longest term in each range. Your payment may vary. Auto Loan refinance rates available for vehicles not previously financed at American Heritage Credit Union. Rates available for automobile model years 2020 to present.

Not all applicants will be approved or receive the lowest rates stated. Interest will accrue during promotional deferred payment periods. Other rates and terms available for vehicles 2013 & earlier. Ask for details.