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Attention Former TSAFCU Members

Please visit our merger resources page for more information around updating account information. If you have any questions, please do not hesitate to let a member of your branch team know or call us at 888.252.8932.

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Auto Loans

Two Young Professionals Sitting in the Hatchback of a Car with a Laptop

FIND WHEELS AND DEALS WITH AutoSMART

Not sure where to start looking for a new car? Let AutoSMART take the wheel and all your worries away.

  • Search for a used car or build the vehicle of your dreams.
  • Use the built-in calculator to estimate your monthly payment.
  • Shop local Plus Dealers for more transparency, confidence, and convenience.

Shop Online with AutoSMART

A RV and a motorcycle are parked next to a misty lake

Loans for every adventure

Recreational Vehicle Loans

Whether it’s by land, sea, or snow, let our great rates, flexible terms, and friendly service fuel your next adventure. If you’re ready to buy a new or used recreational vehicle - or looking to refinance – HFCU has you covered with loans for:

  • Campers
  • ATVs
  • Snowmobiles
  • Boats

Apply for a Recreational Vehicle loan  Check Non-Auto Loan Rates

An electric car sits parked and charging

recharge your options

Green auto loans

  • A discount of .50% APR 4 off regular secured loan rates will be offered.
  • Extended terms are available for up to 84 months.
  • Available on high fuel economy-rated vehicles with an average of 30 mpg city and highway miles or better.
  • Miles per gallon (MPG) calculated according to information found at JDPower.com

Apply For a Green Auto Loan  Check Auto Rates

Holding hands above toy car in protection

GUARANTEED ASSET PROTECTION (GAP)

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle.


If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan that your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. 5 .

Essential financial protection on your vehicle loan that helps you drive with confidence. Contact HFCU today about how we can help protect you from sudden out-of-pocket expenses with GAP.

Chat with us to get started

Technicians work to fix a vehicle

Mechanical Repair Coverage: Optional protection against unexpected repair costs.

Mechanical Repair Coverage may help limit the cost of covered repairs – and protect your finances. 6 .


With Mechanical Repair Coverage you can enjoy many valuable benefits among which are:

  • Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.
  • 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.

Help protect yourself from unexpected costly covered repairs – Contact HFCU to find out what Mechanical Repair Coverage plan is right for you.

Chat with us to get started

A life buoy lays nearby ready to assist

Life can take some unexpected turns. That’s why there’s Debt Protection 7

Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:

  • Involuntary Unemployment
  • Disability
  • Death

Take an important step toward financial security. Ask Heritage Family Credit Union about Debt Protection today.

Contact us to learn more

Disclosures

1 APR = Annual Percentage Rate.

2 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

3 Rate displayed is the lowest rate available. Loan rates will vary based on credit qualifications and all loans are subject to credit approval. Payment example: 36 monthly payments at 5.00% APR would be $29.97 per $1,000 borrowed. All rates subject to change without notice. Initial $25 deposit for membership required. Terms and conditions subject to change without notice. Certain restrictions apply.

4 APR=Annual Percentage Rate. To receive advertised rate discount, member must disclose intention to purchase an eligible vehicle at time of loan application. Rates published on this website do not currently account for this discount of 0.50% APR off auto loan rates. Some exclusions and restrictions apply. All loans subject to credit approval. This offer is subject to change or cancellation without notice.

5 GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your 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 the amount financed under your contract 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 purchased from state-chartered credit unions in FL, GA, IA, IN, 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 purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.  GAP purchased 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. © TruStage GAP-3415621.3-0124-0226

6 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. © TruStage MRC-3415612.4-0324-0426

7 Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. © TruStage DP-3415586.2-1123-1225