Mountain Heritage FCU

Our Rates

Mountain Heritage Federal Credit Union offers a wide variety of loans, including home, auto, and personal loans. Loan rates change periodically, so be sure to check in and see what YOUR credit union can do for you. Want to know what your payment might be? Check out our loan calculators.

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Call Credit Union for current rates 800-344-5262

Loan Rates Savings / Shares Rates Certificates

Effective as of: January 01, 2021. Rates can change without prior notice.
Auto - fees, and extended warranties Limited to purchase price, taxes
Loan specials not listed*
Vehicle loans NEW
Term in months Rates
24 or 365.50% - 11.50% APR
486.00% - 12.00% APR
606.25% - 12.25% APR
for amounts over $23,00072 7.40% - 13.40% APR
for amounts over $40,00084 9.00% - 15.00% APR
Vehicle loans USED
Term in months Rates
(100% of NADA Retail) 24 or 36 6.00% - 12.00% APR
If car is older than 5 years the longest term is 48 months 486.25% - 12.25% APR
If car is older than 6 years the longest term is 36 months606.75% - 12.75% APR
Term in months Rates
NEW608.00% - 14.00% apr
USED608.50% - 14.50% apr
Recreational Vehicles (RV's, Boats)
Term in months Rates
NEW608.00% - 14.00% apr
(amounts over $20,000)
(amounts over $25,000)
(amounts over $35,000)
USED60 9.00% - 15.00% apr
729.50% - 15.50% apr
Motor Homes
Term in months Rates
NEW120 7.75% - 11.25% apr
USED if over 15 yrs old maximum term 15 yrs96 8.75% - 15.75% apr
Farm Equipment
Term in months Rates
NEW1208.00% - 14.00% apr
USED609.00% - 15.00% apr
Signature Loans
Term in monthsRates
60 12.00% - 18.00% apr
*APR = Annual Percentage Rate

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