Auto Loans
Auto Loans at Rates You’ll Smile About
Fair and competitive interest rates for all members, no matter their credit score
You won’t find a better Auto Loan!
Utah Heritage Credit Union loans will make you smile.
- Fair and competitive rates even if your credit isn’t perfect.
- Flexible terms up to 84 months.
- Finance up to 100%.
- Pre-approvals to save you from the dealership hassle.
- Apply online, in a branch or by phone.
You don’t have to have perfect credit
Even without perfect credit you can get a great rate at Utah Heritage Credit Union. We’re your local credit union, and we like to serve all of our friends, family and neighbors – no matter their credit score.
All of our members can count on fast, friendly service with no surprises.
Purchase Local and Finance Local
When we can, we should all try to buy from our local friends and neighbors. Of course, we also encourage you to finance at your local credit union! Let’s keep as much of our business in town as we can. And trust us, we’re much better to work with down the road if you ever have financial difficulties. You’re our friends and neighbors and we’re looking out for your best interest.
CARFAX
Click below to get the Carfax on your current vehicle or the vehicle you’re thinking of purchasing. Get your vehicle’s history. It’s better to know before you buy! Get CARFAX.
Important Links
Next Step
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Auto Loan Calculator
Use this calculator to estimate your payment and know how much you can afford before you negotiate for a car.
Loans Rates
| Type | Term | APR* |
|---|---|---|
| Auto Loans | 5 yrs | 5.99% |
| Auto Loans | 6 yrs | 6.49% |
| Auto Loans | 7 yrs | 6.99% |
| ATVs/Boats/RVs/Motorcycles | 5 yrs | 7.99% |
| ATVs/Boats/RVs/Motorcycles | 6 yrs | 8.49% |
| ATVs/Boats/RVs/Motorcycles | 7 yrs | 8.99% |
| ATVs/Boats/RVs/Motorcycles | 10 yrs | 9.99% |
| Personal | 5 yrs | 12.99% |
| VISA Credit Card | Variable | 12.24% |
| Overdraft Protection Loans | Variable | 13.24% |
| Effective | 3/1/2025 |
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.
Shop Online at AutoSMART
Your Smart Choice for Stress-Free Car Buying
Why use “Auto Smart?”
- Search for the best car for you before you go out and shop.
- Compare prices.
- Find new or used Vehicles.
Finance at Utah Heritage Credit Union
After you find the vehicle you want, be sure to insist that the dealership sends the loan to your credit union. Most dealerships can close your loan at Utah Heritage CU from the dealership.
Buy Local and Finance Local
We encourage you to help out our own economy by buying from local dealerships and by financing with your friends and neighbors at Utah Heritage.
Next Step
Click the adjacent image to shop online with local dealers through the “AutoSMART” website.
RV/ATV Loans – Time for an Upgrade?
Now’s the time to have some fun!
Enjoying life now is always the best time. While we believe in saving money, sometimes it’s smart to get the things now that will help us have fun with the family while you’re all still young!
Toys
- ATVs
- Motorcycles
- RVs
- Watercraft
- Utility Trailers
- Horse Trailers
Boats, Trailers and Motor Homes
When it comes to the expensive stuff, having flexible terms is very important. We’re flexible and want to help you get some of that fun you expect out of life.
You want it, we’ll finance it!
Loans Rates
| Type | Term | APR* |
|---|---|---|
| Auto Loans | 5 yrs | 5.99% |
| Auto Loans | 6 yrs | 6.49% |
| Auto Loans | 7 yrs | 6.99% |
| ATVs/Boats/RVs/Motorcycles | 5 yrs | 7.99% |
| ATVs/Boats/RVs/Motorcycles | 6 yrs | 8.49% |
| ATVs/Boats/RVs/Motorcycles | 7 yrs | 8.99% |
| ATVs/Boats/RVs/Motorcycles | 10 yrs | 9.99% |
| Personal | 5 yrs | 12.99% |
| VISA Credit Card | Variable | 12.24% |
| Overdraft Protection Loans | Variable | 13.24% |
| Effective | 3/1/2025 |
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.
Estimate Your Payment
It’s always nice to know how much you can afford to pay before you negotiate for a new purchase. Use this calculator to estimate your payment.
Enjoy Your Day…
while your money is working for you. Get a nice yield with a Savings Certificate!
Personal Loans
Secured or Unsecured, Fixed Rate and Fixed Term
Sometimes you need a way to pay for a big purchase or you may just want to get a high interest VISA paid off. A personal or signature loan puts you on a budget and you’ll have a payoff date.
You can use a personal/signature loan loans for:
- Equipment
- Farm Equipment
- Christmas
- Tools
- Personal Computers
- The biggest big screen TV in your neighborhood
- A major repair
- A wedding
- You’ll think of something.
Low Fees & Rates
We have a full service mortgage department. Flexible terms and rates.
Low Fees & Rates
We have a full service mortgage department. Flexible terms and rates.
Interest Rates
Loans Rates
| Type | Term | APR* |
|---|---|---|
| Auto Loans | 5 yrs | 5.99% |
| Auto Loans | 6 yrs | 6.49% |
| Auto Loans | 7 yrs | 6.99% |
| ATVs/Boats/RVs/Motorcycles | 5 yrs | 7.99% |
| ATVs/Boats/RVs/Motorcycles | 6 yrs | 8.49% |
| ATVs/Boats/RVs/Motorcycles | 7 yrs | 8.99% |
| ATVs/Boats/RVs/Motorcycles | 10 yrs | 9.99% |
| Personal | 5 yrs | 12.99% |
| VISA Credit Card | Variable | 12.24% |
| Overdraft Protection Loans | Variable | 13.24% |
| Effective | 3/1/2025 |
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.
Home Loans
| Type | Term | APR |
|---|---|---|
| First Mortgage | 30 year fixed | Contact CU for current rate |
| First Mortgage | 15 year fixed | Contact CU for current rate |
| 2nd Mortgage | 10 year fixed | Contact CU for current rate |
| Home Equity Line of Credit | Variable | as low a 7.50% |
| Effective | 1/1/2025 |
Savings Certificates
| Term | Min Balance | APY* | Div Rate |
|---|---|---|---|
| 6 mos | $500 | 4.50% | 4.41% |
| 9 mos | $500 | 3.50% | 3.45% |
| 1 yr | $500 | 4.25% | 4.17% |
| 18 mos | $500 | 3.50% | 3.45% |
| 2 yrs | $500 | 5.00% | 4.89% |
| 3 yrs | $500 | 3.75% | 3.69% |
| 4 yrs | $500 | 3.75% | 3.69% |
| 5 yrs | $500 | 3.75% | 3.69% |
| IRA CD | Above rates+.10% | Above rates+.10% | |
| Effective | 5/1/2025 |
IRA CERTIFICATE RATES - Same rate as above plus 0.10%.
Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $10,000.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.
Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.
Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.
Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.
Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.
Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.
Flex Certificates
| Term | Min. Balance | APY* | DIV RATE |
|---|---|---|---|
| 1 year | $500 | .50% | .50% |
| 1 year | $2000 | .55% | .55% |
| 1 year | $25,000 | .60% | .60% |
| 1 year | $50,000 | .65% | .65% |
| Effective | 9/24/2024 |
Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.
Savings Rates
| Type | Min. Balance | APY* |
|---|---|---|
| Money Market Account | $0 - $99 | 0.00% |
| $100 - $499.99 | 0.10% | |
| $500 - $24,999.99 | 0.50% | |
| $25,000 - $49,999.99 | 1.50% | |
| $50,000 - $99,999.99 | 2.50% | |
| $100,000 + | 3.00% | |
| Share Savings | $0 - $99.99 | .00% |
| $100 - $2499 | .05% | |
| $2500 + | .05% | |
| All Other Shares & Youth Accounts | $0 - $99.99 | .00% |
| $100 - $2499 | .05% | |
| $2500 + | .05% | |
| Share Draft | .00% | |
| Business Sweep | .00% | |
| IRA | $0 - $99.99 | .00% |
| $2500 + | .20% | |
| Effective | 10/1/2024 |
- Loans
-
Loans Rates
*APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience.Type
Term APR* Auto Loans 5 yrs 5.99% Auto Loans 6 yrs 6.49% Auto Loans 7 yrs 6.99% ATVs/Boats/RVs/Motorcycles
5 yrs 7.99% ATVs/Boats/RVs/Motorcycles 6 yrs 8.49% ATVs/Boats/RVs/Motorcycles 7 yrs 8.99% ATVs/Boats/RVs/Motorcycles 10 yrs 9.99% Personal 5 yrs 12.99% VISA Credit Card Variable 12.24% Overdraft Protection Loans Variable 13.24% Effective 3/1/2025
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice. - Mortgages
-
Home Loans
APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates. Your rate could by higher based on your credit history. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds. All rates are subject to change without notice.Type
Term APR First Mortgage 30 year fixed Contact CU for current rate First Mortgage 15 year fixed Contact CU for current rate 2nd Mortgage 10 year fixed Contact CU for current rate Home Equity Line of Credit Variable as low a 7.50% Effective 1/1/2025 - Savings Certificates
-
Savings Certificates
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.Term
Min Balance APY* Div Rate 6 mos $500 4.50% 4.41% 9 mos $500 3.50% 3.45% 1 yr $500 4.25% 4.17% 18 mos $500 3.50% 3.45% 2 yrs $500 5.00% 4.89% 3 yrs $500 3.75% 3.69% 4 yrs $500 3.75% 3.69% 5 yrs $500 3.75% 3.69% IRA CD Above rates+.10% Above rates+.10% Effective 5/1/2025
IRA CERTIFICATE RATES - Same rate as above plus 0.10%.
Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $10,000.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.
Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.
Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.
Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.
Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.
Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.
- Flex Certificates
-
Flex Certificates
*APY is Annual Percentage Yield. Unlimited deposits in $200 increments. One withdrawal per calendar month. Must remain above minimum balance for type requested. Early closure penalty may apply if you fall below minimum balance in term. Rates subject to change without notice.Term
Min. Balance APY* DIV RATE 1 year $500 .50% .50% 1 year $2000 .55% .55% 1 year $25,000 .60% .60% 1 year $50,000 .65% .65% Effective 9/24/2024
Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.
- Savings
-
Savings Rates
*APY is Annual Percentage Yield. Rates subject to change without notice.Type
Min. Balance APY* Money Market Account $0 - $99 0.00% $100 - $499.99 0.10% $500 - $24,999.99 0.50% $25,000 - $49,999.99 1.50% $50,000 - $99,999.99 2.50% $100,000 + 3.00% Share Savings $0 - $99.99 .00% $100 - $2499 .05% $2500 + .05% All Other Shares & Youth Accounts $0 - $99.99 .00% $100 - $2499 .05% $2500 + .05% Share Draft .00% Business Sweep .00% IRA $0 - $99.99 .00% $2500 + .20% Effective 10/1/2024
Free Checking
Free Bill Pay, Free Mobile Pay, Free Online Banking, No Monthly Fee. Smile!
Enjoy Your Day..
while your money is working for you. Get a nice yield with a Savings Certificate!
Current Specials
Save a little money by taking advantage of our current specials and discounts.