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Closed for Juneteenth

All HFCU branches, drive-thrus, and HFCUVT Video Branch are closed today Wednesday, June 19 for Juneteenth.

Our call center, eBranch and M.A.R.S are available 24/7.

Auto Loans

100% financing available

Competitive interest rates

No penalty for early payoff

Summer Skip A Pay. Image of person skipping a song on their phone


Skip your June, July or August 2024 payment and use the extra cash to enjoy some summertime fun or catch up on bills! A variety of loans are eligible to be skipped - including auto Loans, RV/motorcycle Loans, personal loans and more!* For qualified members. 1

Download the skip-a-pay Form

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Recreational Vehicle Loans

For new and used recreational vehicles – including campers, snowmobiles, ATVs, boats, etc. Purchase or refinance and get great rates, flexible terms, and friendly service.

Apply for a toy loan  Check Non-Auto Loan Rates

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Guaranteed Asset Protection (GAP)

Protect your auto loan with guaranteed asset protection (GAP). GAP could reduce or eliminate the shortfall between what your auto insurance will cover and what you owe on your loan if your vehicle is deemed a total loss 2 .

Mechanical Repair Coverage

With Mechanical Repair Coverage (MRC), you can enjoy many valuable benefits, such as rental reimbursement, 24-hour emergency roadside assistance, and no out-of-pocket expense (except for any deductible) 3 .

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Debt Protection

If you're worried about what will happen to your income if you become disabled or involuntarily unemployed, MEMBER'S CHOICE™ Borrower's Security has got your back. With Life, Disability, and Involuntary Unemployment Protection, you can rest easy knowing that your debt payments won't stop just because of an unfortunate situation.

Life, Disability, and Involuntary Unemployment Protection is available on all consumer loans, so you don't have to worry about being able to pay your bills if something unexpected happens. And since we offer low group rates for these services, you'll also be able to keep more of your hard-earned money in your pocket!

Debt protection can be added or changed at any time during the life of your loan to help protect you from future situations. Contact us to learn more about the options and earn some peace of mind - because life happens. 

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1 *For qualified members. Offer valid for loan payments in June, July or August 2024. By skipping your loan payment by one month, you authorize Heritage Family Credit Union (HFCU) to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. Your account must be in good standing and have a minimum of 6 months of payments made to take advantage of this offer. The Credit Union reserves the right to determine if prior subsequent actions may disqualify your account. Should you request a Skip-A-Pay, you will be charged a $30.00 processing fee (per loan). A granted Skip-A-Pay entitles the member to skip one (1) month’s regular payment on the specified loan. The regular payment schedule will resume the month following the elected Skip-A-Pay month. Limit, one Skip-A-Pay granted per loan in a 6 month period, provided your HFCU accounts are in good standing. If your payments are processed through Automatic Clearing House (ACH), HFCU must receive your application 10 days prior to your loan payment due date. You also understand that if you have purchased a GAP policy through HFCU that you are only allowed 2 (two) Skip-A-Pays or deferments during the loan term for protection up to 125% LTV. Real Estate, Visa®, Mobile Homes and Business loans excluded. Federally insured by NCUA.

2 Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchase from state chartered credit unions in FL, GA, IA, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchase from state chartered credit unions in IN may be without a refund provision. If the Credit Union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. Unique ID & Copyright GAP-3415626.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.

3 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Unique ID & Copyright MRC-3415612.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.