Auto Loans

Husband and wife talking to a car salesman

Auto Loans

Current Specials!

Happy young man driving his new silver convertible.

We’re still giving up to .25% off your next Auto or RV Loan

  • Get a .25% discount with auto payment from your UHCU checking account with Debit Card.
  • Get an additional .05% off your loan when you open a UHCU Credit Card.
  • No payment for 60 days.

When you subtract .30% from our already, competitive rates, you won’t find a better deal.

 * Example of 2.74% APR is an auto loan for 60 months for a member with excellent credit and a UHCU checking account and card. 

You won’t find a better Auto Loan!

Utah Heritage Credit Union Loan Benefits:

  • 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.

Summer Giveaway Results

Smiling young woman with a camp chef smoker.

Thank you to all our members who got a big discount on their summer Auto and RV loans. And congratulations to the winners of our giveaways. Prizes included a Camp Chef Smoker, Lifetime Picnic Table, Lifetime Coolers and Picnic Gift Cards

Estimate Your Payment

It’s always nice to know how much you can afford to pay before you negotiate for a car. Use this calculator to estimate your payments.

Auto Loans

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Next Step

Loan Application Button

Make your loan payment online naviagation showing various debit cards

For Sale sign

Auto icon button to navigate to verify insurance coverage page

Young couple out for a drive in their convertible enjoying the sunshine.

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.

Driving ATVs along the river

RV/ATV Loans – Time for an Upgrade?

Current Loan Sale – Get .30% off your Next RV Loan

  • Get a .25% discount with auto payment from your UHCU checking account with Debit Card.
  • Get an additional .05% off your loan when you open a UHCU Credit Card.
  • No payment for 60 days.

When you subtract .30% from our already, competitive rates, you won’t find a better deal.

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!

Loan Application Button

Loans Rates

Type
TermAPR*
Auto Loans5 yrs2.99%
Auto Loans6 yrs3.24%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs8.00%
VISA Credit Variable7.99%
VISA Debit Variable8.99%
Effective8/01/2020
*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 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.

Loan Application Button

Enjoy Your Day…

while your money is working for you. Get a nice yield with a Savings Certificate!

Several used and colorful tractors for sell.

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.

Best Auto Loan

We have the most flexible terms and the best rates for ALL members.

Low Fees & Rates

We have a full service mortgage department. Flexible terms and rates.

Young couple out for a drive in their convertible enjoying the sunshine.

Interest Rates

Savings Certificates

Term
Min BalanceAPY*Div RateJumbo Min.APYDiv Rate
6 mos$5000.25%0.25%$100,0000.25%0.25%
9 mos$5000.30%0.30%$100,0000.30%0.30%
1 yr$5000.30%0.30%$100,0000.30%0.30%
18 mos$5000.40%0.40%$100,0000.40%0.40%
2 yrs$5000.50%0.50%$100,0000.50%0.50%
3 yrs$5000.60%
0.60%$100,0000.60%0.60%
4 yrs$5000.70%0.70%$100,0000.70%.0.70%
5 yrs$5000.80%0.80%$100,0000,80%0.80%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
Effective11/16/2020
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plust 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. BalanceAPY*
1 year$500.25%
1 year$2000.25%
1 year$25,000.30%
1 year$50,000.35%
Effective9/15/2020
*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.

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. BalanceAPY*
Share Savings - Suffix#1 $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 - Suffix #5 & 6$0 - 99.99.00%
$100 - 2499.10%
$2500 +.20%
Money Market Account$0 - 499.00%
$500 - 1999.05%
$2000 - 24,999.10%
$25,000 - 49,999.15%
$50,000 +.20%
Effective 11/1/2020
*APY is Annual Percentage Yield. Rates subject to change without notice.

Loans Rates

Type
TermAPR*
Auto Loans5 yrs2.99%
Auto Loans6 yrs3.24%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs8.00%
VISA Credit Variable7.99%
VISA Debit Variable8.99%
Effective8/01/2020
*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 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
TermAPR
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 5.00%
Effective 7/1/2020
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.
Savings Certificates

Savings Certificates

Term
Min BalanceAPY*Div RateJumbo Min.APYDiv Rate
6 mos$5000.25%0.25%$100,0000.25%0.25%
9 mos$5000.30%0.30%$100,0000.30%0.30%
1 yr$5000.30%0.30%$100,0000.30%0.30%
18 mos$5000.40%0.40%$100,0000.40%0.40%
2 yrs$5000.50%0.50%$100,0000.50%0.50%
3 yrs$5000.60%
0.60%$100,0000.60%0.60%
4 yrs$5000.70%0.70%$100,0000.70%.0.70%
5 yrs$5000.80%0.80%$100,0000,80%0.80%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
Effective11/16/2020
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plust 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

Term
Min. BalanceAPY*
1 year$500.25%
1 year$2000.25%
1 year$25,000.30%
1 year$50,000.35%
Effective9/15/2020
*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.

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

Type
Min. BalanceAPY*
Share Savings - Suffix#1 $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 - Suffix #5 & 6$0 - 99.99.00%
$100 - 2499.10%
$2500 +.20%
Money Market Account$0 - 499.00%
$500 - 1999.05%
$2000 - 24,999.10%
$25,000 - 49,999.15%
$50,000 +.20%
Effective 11/1/2020
*APY is Annual Percentage Yield. Rates subject to change without notice.
Loans

Loans Rates

Type
TermAPR*
Auto Loans5 yrs2.99%
Auto Loans6 yrs3.24%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs8.00%
VISA Credit Variable7.99%
VISA Debit Variable8.99%
Effective8/01/2020
*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 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

Type
TermAPR
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 5.00%
Effective 7/1/2020
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.

Rewards VISA!

Get Rewards and worldwide acceptance with great local service.

Free Checking

Free Bill Pay, Free Mobile Pay, Free Online Banking, No Monthly Fee. Smile!

Time for Fun?

Upgrade your RV or ATV and get out there. We have great rates and terms!

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. 

Loan Application Button