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Heritage Trust FCU Auto Loans

Heritage-Trust-Auto-LoansHeritage Trust FCU is a multi-service financial institution that operates twelve branches in Charleston, Dorchester, Colleton, and Berkeley counties in South Carolina. The institution has more than 50,000 members and holds in excess of $486 million in assets. Heritage Trust is headquartered in Charleston, SC.

Auto Loans from Heritage Trust FCU

Heritage Trust Federal Credit Union offers a wide variety of auto loan products and recreational vehicle loans to its members. The loans are offered with flexible terms and low interest rates. New cars can be financed for up to 84 months and have a current interest rate of just 2.48 percent (9-25-14). Lenders can borrow up to 125 percent of the invoice value of the vehicle. Used cars loans can have a term of up to 66 months and the current rate can be as low as 3.75 percent (9-25-14). Loans can be up to 115 percent of the vehicle’s NADA value.

Heritage Federal offers additional services to its auto loan consumers. The first is Guaranteed Asset Protection (GAP). This is an insurance designed to eliminate any unpaid loan/lease balance if the vehicle is stolen or damaged beyond repair. Secondly, Heritage Federal offers Mechanical Breakdown Protection (MBP). This is a warranty that extends beyond the manufacturer’s.

Current Direction

Heritage Federal Credit Union was established in 1955 to serve the financial needs of a select group of employers and employees in the Charleston area. The institution has grown to serve more than 300 employee groups, but still offers low cost loans and all of the financial tools its members may need to lead a successful financial life. The founding officers of the credit union worked on a voluntary basis and officers still do so today. No member of the board of directors receives compensation for their time.

Contact Information

If you are interested in becoming a member of Heritage Federal Credit Union, you can see if you are eligible by visiting their website ( You can find more information about a Heritage Federal Credit Union auto loan by visiting their online loan page or by contacting customer service at 1-800-845-5550. If you need to send an item by mail, the address is:

Heritage Federal Credit Union
PO Box 118000
Charleston, SC 29423