
Auto Loans
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.
Next Step
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.

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* |
---|---|---|
Effective | 11/01/2019 | |
Auto Loans | 5 yrs | 3.24% |
Auto Loans | 6 yrs | 3.49% |
RV | 5 yrs | 4.99% |
ATV | 5 yrs | 4.99% |
Motorcycles | 5 yrs | 4.99% |
Boats & Watercraft | 5 yrs | 4.99% |
Personal | 5 yrs | 9.50% |
VISA Credit | Variable | 9.74% |
VISA Debit | Variable | 10.74% |
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.
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
Savings Certificates
Term | Min Balance | APY* | Div Rate | Jumbo Min. | APY | APY |
---|---|---|---|---|---|---|
Effective | 11/1/2019 | |||||
6 mos | $500 | .35% | .35% | $100,000 | .45% | .45% |
9 mos | $500 | .75% | .75% | $100,000 | .85% | .85% |
1 yr | $500 | 2.12% | 2.10% | $100,000 | 2.22% | 2.20% |
18 mos | $500 | .55% | .55% | $100,000 | .65% | .65% |
2 yrs | $500 | 1.11% | 1.10% | $100,000 | 1.21% | 1.20% |
3 yrs | $500 | 2.30% | 2.28% | $100,000 | 2.40% | 2.37% |
4 yrs | $500 | 1.16% | 1.15% | $100,000 | 1.26% | 1.26% |
5 yrs | $500 | 2.50% | 2.47% | $100,000 | 2.60% | 2.57% |
IRA CD | Above rates+.10% | Above rates+.10% | Above rates+.10% | Above rates+.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 $2500.00 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.
Flex Certificates
Term | Min. Balance | APY* |
---|---|---|
Effective | 6/1/2019 | |
1 year | $500 | .25% |
1 year | $2000 | .30% |
1 year | $25,000 | .40% |
1 year | $50,000 | .50% |
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* |
---|---|---|
Effective | 11/1/2019 | |
Share Savings - Suffix#1 | $25 | .00% |
$100 | .10% | |
$2500 | .10% | |
IRA - Suffix #5 & 6 | $25 | .00% |
$100 | .20% | |
$2500 | .30% | |
Money Market Account | 0 | .00% |
$500 | .10% | |
$25,000 | .30% | |
$50,000 | .40% | |
Checking | 0 | .00% |
Loans Rates
Type | Term | APR* |
---|---|---|
Effective | 11/01/2019 | |
Auto Loans | 5 yrs | 3.24% |
Auto Loans | 6 yrs | 3.49% |
RV | 5 yrs | 4.99% |
ATV | 5 yrs | 4.99% |
Motorcycles | 5 yrs | 4.99% |
Boats & Watercraft | 5 yrs | 4.99% |
Personal | 5 yrs | 9.50% |
VISA Credit | Variable | 9.74% |
VISA Debit | Variable | 10.74% |
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 | Term | APR |
---|---|---|
Effective | 11/1/2019 | |
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 as 5.00% |
- Savings Certificates
-
Savings Certificates
Term
Min Balance APY* Div Rate Jumbo Min. APY APY Effective 11/1/2019 6 mos $500 .35% .35% $100,000 .45% .45% 9 mos $500 .75% .75% $100,000 .85% .85% 1 yr $500 2.12% 2.10% $100,000 2.22% 2.20% 18 mos $500 .55% .55% $100,000 .65% .65% 2 yrs $500 1.11% 1.10% $100,000 1.21% 1.20% 3 yrs $500 2.30% 2.28% $100,000 2.40% 2.37% 4 yrs $500 1.16% 1.15% $100,000 1.26% 1.26% 5 yrs $500 2.50% 2.47% $100,000 2.60% 2.57% IRA CD Above rates+.10% Above rates+.10% Above rates+.10% Above rates+.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 $2500.00 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.
- Flex Certificates
-
Flex Certificates
Term
Min. Balance APY* Effective 6/1/2019 1 year $500 .25% 1 year $2000 .30% 1 year $25,000 .40% 1 year $50,000 .50%
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. Balance APY* Effective 11/1/2019 Share Savings - Suffix#1 $25 .00% $100 .10% $2500 .10% IRA - Suffix #5 & 6 $25 .00% $100 .20% $2500 .30% Money Market Account 0 .00% $500 .10% $25,000 .30% $50,000 .40% Checking 0 .00%
- Loans
-
Loans Rates
Type
Term APR* Effective 11/01/2019 Auto Loans 5 yrs 3.24% Auto Loans 6 yrs 3.49% RV 5 yrs 4.99% ATV 5 yrs 4.99% Motorcycles 5 yrs 4.99% Boats & Watercraft 5 yrs 4.99% Personal 5 yrs 9.50% VISA Credit Variable 9.74% VISA Debit Variable 10.74%
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
Term APR Effective 11/1/2019 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 as 5.00%
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.