Credit union · New York

First Heritage Federal Credit Union auto loan rates compared

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New York · Headquarters New YorkChecked Nov 13, 2026Rate page on fhfcu.org

EligibilityPer First Heritage: First Heritage serves the following community field of membership: Persons who live, work, worship or attend school in the eleven county community, comprised of the Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and the Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania, as well as their immediate family members.

Visit lender Opens fhfcu.org

Lowest new rate

5.24%APR, as low as

NewUp to 36 monthsFirst Heritage Federal Credit Union

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

NY lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 5 rates

NYChecked Nov 13, 2026

New
As low as

5.24%APRUp to 36 months

2023 or newer models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. New Vehicle 2023 - Newer: Terms (Up To) 36 mos., Annual Percentage Rates (As low as) 5.24%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.24% APR, new, up to 36 months, 2023 or newer modelsVisit lender, First Heritage Federal Credit Union, 5.24% APR, new, up to 36 months, 2023 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.49%APRUp to 48 months

2023 or newer models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.49% APR. Estimated payment: $582/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 48 months. New Vehicle 2023 - Newer: Terms (Up To) 48 mos., Annual Percentage Rates (As low as) 5.49%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.49% APR, new, up to 48 months, 2023 or newer modelsVisit lender, First Heritage Federal Credit Union, 5.49% APR, new, up to 48 months, 2023 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.74%APRUp to 66 months

2023 or newer models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.74% APR. Estimated payment: $443/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 66 months. New Vehicle 2023 - Newer: Terms (Up To) 66 mos., Annual Percentage Rates (As low as) 5.74%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.74% APR, new, up to 66 months, 2023 or newer modelsVisit lender, First Heritage Federal Credit Union, 5.74% APR, new, up to 66 months, 2023 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.99%APRUp to 75 months

2023 or newer models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 5.99% APR. Estimated payment: $401/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 75 months. New Vehicle 2023 - Newer: Terms (Up To) 75 mos., Annual Percentage Rates (As low as) 5.99%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.99% APR, new, up to 75 months, 2023 or newer modelsVisit lender, First Heritage Federal Credit Union, 5.99% APR, new, up to 75 months, 2023 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

6.49%APRUp to 84 months

2023 or newer models

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 84 months. New Vehicle 2023 - Newer: Terms (Up To) 84 mos., Annual Percentage Rates (As low as) 6.49%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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." "(minimum amount for terms over 75 months is $25,000)"

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 6.49% APR, new, up to 84 months, 2023 or newer modelsVisit lender, First Heritage Federal Credit Union, 6.49% APR, new, up to 84 months, 2023 or newer models ↗
5.24%APR

New car

Visit lender, First Heritage Federal Credit Union, 5.24% APR, new, up to 36 months, 2023 or newer models

NY · 2023 or newer modelsChecked Nov 13, 2026Up to 36 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

New car

Visit lender, First Heritage Federal Credit Union, 5.49% APR, new, up to 48 months, 2023 or newer models

NY · 2023 or newer modelsChecked Nov 13, 2026Up to 48 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.49% APR. Estimated payment: $582/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, First Heritage Federal Credit Union, 5.74% APR, new, up to 66 months, 2023 or newer models

NY · 2023 or newer modelsChecked Nov 13, 2026Up to 66 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.74% APR. Estimated payment: $443/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

New car

Visit lender, First Heritage Federal Credit Union, 5.99% APR, new, up to 75 months, 2023 or newer models

NY · 2023 or newer modelsChecked Nov 13, 2026Up to 75 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 5.99% APR. Estimated payment: $401/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

New car

Visit lender, First Heritage Federal Credit Union, 6.49% APR, new, up to 84 months, 2023 or newer models

NY · 2023 or newer modelsChecked Nov 13, 2026Up to 84 months

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 5 rates

NYChecked Nov 13, 2026

Used
As low as

5.74%APRUp to 36 months

2019–2022 models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.74% APR. Estimated payment: $758/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Used Vehicle 2019 - 2022: Terms (Up To) 36 mos., Annual Percentage Rates (As low as) 5.74%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.74% APR, used, up to 36 months, 2019–2022 modelsVisit lender, First Heritage Federal Credit Union, 5.74% APR, used, up to 36 months, 2019–2022 models ↗

NYChecked Nov 13, 2026

Used
As low as

5.99%APRUp to 48 months

2019–2022 models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.99% APR. Estimated payment: $588/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 48 months. Used Vehicle 2019 - 2022: Terms (Up To) 48 mos., Annual Percentage Rates (As low as) 5.99%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 5.99% APR, used, up to 48 months, 2019–2022 modelsVisit lender, First Heritage Federal Credit Union, 5.99% APR, used, up to 48 months, 2019–2022 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.24%APRUp to 66 months

2019–2022 models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 66 months. Used Vehicle 2019 - 2022: Terms (Up To) 66 mos., Annual Percentage Rates (As low as) 6.24%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 6.24% APR, used, up to 66 months, 2019–2022 modelsVisit lender, First Heritage Federal Credit Union, 6.24% APR, used, up to 66 months, 2019–2022 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.49%APRUp to 75 months

2019–2022 models

Requires:Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 6.49% APR. Estimated payment: $407/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 75 months. Used Vehicle 2019 - 2022: Terms (Up To) 75 mos., Annual Percentage Rates (As low as) 6.49%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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."

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 6.49% APR, used, up to 75 months, 2019–2022 modelsVisit lender, First Heritage Federal Credit Union, 6.49% APR, used, up to 75 months, 2019–2022 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.99%APRUp to 84 months

2019–2022 models

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 84 months. Used Vehicle 2019 - 2022: Terms (Up To) 84 mos., Annual Percentage Rates (As low as) 6.99%. "Rates accurate as of Nov 10, 2026" "Rates above are current as of the date posted above and are subject to change without notice." "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." "(minimum amount for terms over 75 months is $25,000)"

Checked Nov 13, 2026Source fhfcu.org

Calculate payment, First Heritage Federal Credit Union, 6.99% APR, used, up to 84 months, 2019–2022 modelsVisit lender, First Heritage Federal Credit Union, 6.99% APR, used, up to 84 months, 2019–2022 models ↗
5.74%APR

Used car

Visit lender, First Heritage Federal Credit Union, 5.74% APR, used, up to 36 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 2026Up to 36 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.74% APR. Estimated payment: $758/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

Used car

Visit lender, First Heritage Federal Credit Union, 5.99% APR, used, up to 48 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 2026Up to 48 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.99% APR. Estimated payment: $588/mo

Assumes fixed APR, $0 down, no fees.

6.24%APR

Used car

Visit lender, First Heritage Federal Credit Union, 6.24% APR, used, up to 66 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 2026Up to 66 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

Used car

Visit lender, First Heritage Federal Credit Union, 6.49% APR, used, up to 75 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 2026Up to 75 months

Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 6.49% APR. Estimated payment: $407/mo

Assumes fixed APR, $0 down, no fees.

6.99%APR

Used car

Visit lender, First Heritage Federal Credit Union, 6.99% APR, used, up to 84 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 2026Up to 84 months

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Southern Tier NY & N. PASouthern Tier NY & N. PA: For a specific group: only open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates County, NY, or Bradford, Lycoming, Potter, or Tioga County, PA, and their immediate family members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.