Auto, Boat, Motorcycle & ATV Loans

Auto, Boat, Motorcycle & ATV Loans

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Buy a New or Used Vehicle

No matter what type of vehicle you're looking to buy, we make it easy to get the financing you need. 
  • We're one of York County's top auto lenders
  • Apply for a pre-approval before you go to the dealership
  • Pre-owned autos include model years 10 years old and newer
  • Take advantage of competitive fixed rates & repayment terms up to 84 months

First-Time Car Buyer Program

Are you ready to buy your first car? Our First-Time Car Buyer's Program is designed for those who have little to no credit and are ready to embark on the purchase of their first car. 

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Refinance your Vehicle Loan

Why pay more then you have to? Move your vehicle loan to us and we could help you lower your monthly payment to give you more cash on hand to do the stuff you really want to.
  • Pay off your loan quicker - and be car payment free!
  • Take advantage of competitive fixed rates & flexible terms up to 84 months

Travel Trailers, Motorhomes & Campers

Financing for the road ahead. Get the financing you need and start planning your adventure!
  • Low rates & repayment terms up to 7 years
  • Financing Pre-owned RV models 10 years old and newer

Motorcycles, ATVs & Scooters

The open road is calling you. Let us help get you on your way.
  • Competitive rates & term options up to 72 months
  • On-road and Off-Road motorcycles
  • Pre-owned models 10 years old and newer

Boats & Small Watercraft

Enjoy the water without getting soaked. Check out our competitive boat loans
  • Boats, Waverunners, Jet Skis and more
Car Buying Tools

Protect Your Vehicle with GAP Protection

Vehicles depreciate rapidly the moment they’re driven off the dealer’s lot; unfortunately, loan balances don’t disappear as quickly. Protect your financial well being.

Guaranteed Asset Protection helps provide financial security if your vehicle is stolen or damaged beyond repair by cancelling the difference between the auto insurance settlement and the remaining Heritage Valley loan balance. That way you can rest assured that no matter what your auto insurance company pays for the damages done to your car, you will no longer owe any money on your unusable vehicle.

Benefits of GAP Insurance

If your vehicle is declared an insured total loss, GAP provides the following:
  • Benefits are paid up to $50,000
  • Insurance deductible coverage is paid up to $1000
  • $1000 down payment credit when new loan is financed with HVFCU
For just $450, the decision to add GAP coverage to your auto loan should be easy! Contact a Loan Officer for more details.

Protect Your Vehicle with Mechanical Repair Coverage

The miles can add up, but the repairs don't have to.

Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles from which to choose, there’s a plan to fit your family’s budget.

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more it takes to keep it in good working order. Not making small repairs can lead to even more expensive repairs and ignoring other repairs can be dangerous.

Benefits for covered repairs:*
  • Limit repair costs to your deductible, if any

  • Choose your deductible: $0, $100, $250 or $500

  • Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one

  • 24-hour emergency roadside assistance up to $100 per occurrence (includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service)

  • Travel expense reimbursement up to $200 per day for 1-5 days for food, lodging, and rental when a breakdown occurs more than 100 miles from home (not available to NY residents)

  • Good at any authorized repair facility in the U.S. or Canada

  • No out of pocket expense at time of mechanical repair (except for any deductible and any repairs not covered by the policy) the covered repair is paid directly to the authorized repair facility

  • Transferable to increase resale value (only if sold privately, subject to transfer fee)

  • Cancel for full refund within 60 days (if coverage is unused in the first 60 days; if used, refund if prorated)
For more information or to sign-up, contact a Loan Officer today!

Auto Insurance

As a member of Heritage Valley FCU, you qualify for a special group discount on your auto insurance through TruSTAGE™ Auto Insurance Program with Liberty Mutual Insurance. Through our partnership you can enjoy:
  • The ease and convenience of paying your premiums through checking account deductions with no down payment or finance charges. 

  • Access convenient round-the-clock e-service, pay your bill or make changes to your policy, even report a claim

  • Fast and easy access to claims service 24 hours a day

  • A variety of discounts including multi-car, multi-policy, safe-driver, passive restraints and anti-theft device discounts
See for yourself how much you could save with Liberty Mutual compared to your current insurance provider. Speak with a local representative.

Erin Collier
 Lead Sales Representative
 Phone: (717) 590-6698

    The truSTAGE Auto Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by Liberty Mutual Insurance. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

    Helpful Car Buying Links