Our Rates
Mountain Heritage Federal Credit Union offers flexible loan options designed to fit your needs—whether you’re financing a home, purchasing a car, or covering personal expenses.
Our loan rates are updated regularly, so check back often to see how your credit union can help you save. Curious about your potential payment? Use our convenient loan calculators to plan with confidence.
Loan Rates
Fees and extended warranties are limited to the purchase price and taxes.
Last updated 8/22/2025
NEW Vehicle Loans
Term in Months | Rates | |
For amounts up to $23,000 | 24 or 36 | 4.00% - 11.50% APR |
48 | 6.00% - 12.00% APR | |
60 | 6.25% - 12.25% APR | |
For amounts over $23,000 | 72 | 7.40% - 13.40% APR |
For amounts over $40,000 | 84 | 9.00% - 15.00% APR |
Used Vehicle Loans
100% of NADA Retail
- Cars over 6 years old: max term 48 months
- Cars over 10 years old: max term 36 months
Term in Months | Rates |
24 or 36 | 4.00% - 12.25% APR |
48 | 6.25% - 12.50% APR |
60 | 6.75% - 13.00% APR |
72 | 7.75% - 14.00% APR |
Motorcycles
Term in Months | Rates | |
New | 60 | 8.00% - 14.00% APR |
Used | 60 | 8.50% - 14.50% APR |
Recreational Vehicles (RVs, Boats, etc.)
Term in Months | Rates | |
New | 60 | 8.00% - 14.00% APR |
66 | 8.50% - 14.50% APR | |
72 | 9.00% - 15.00% APR | |
84 | 9.50% - 15.50% APR | |
Used | 60 | 9.00% - 15.00% APR |
72 | 9.50% - 15.50% APR |
Motor Homes
Term in Months | Rates | |
New | 120 | 7.75% - 11.25% APR |
Used | 96 | 8.75% - 15.75% APR |
Farm Equipment
Term in Months | Rates | |
New | 120 | 8.00% - 14.00% APR |
Used | 60 | 9.00% - 15.00% APR |
Signature Loans
Term in Months | Rates |
60 | 12.00% - 18.00% APR |
Savings/Shares Rates
Share Secured (Shares)
Minimum rate is 6% APY
3% above the dividend rate at the time of disbursement
Shares Secured (CertificateAccounts)
Minimum rate is 6% APY
3% above the dividend rate at the time of disbursement
Shares
Minimum Balance | Divident/Interest Rate % | APY* |
$5.00 | .10% | .10% |
Share Draft (Checking)
Minimum Balance | Divident/Interest Rate | APY* |
N/A | N/A | N/A |
Club Account (Christmas and Vacation)
Minimum Balance | Divident/Interest Rate | APY* |
N/A | .75% | .75% |
IRA
Minimum Balance | Divident/Interest Rate % | APY* |
N/A | .90% | .90% |
Money Market Accounts – Free Checks
Minimum Balance | Dividend/Interest Rate % | APY* |
$1,000.00 | 2.00% | 2.02% |
$10,000.00 | 2.50% | 2.53% |
- Limited to 3 check withdrawals a month
- If you write more than 3 checks, a fee of $20.00 per check will be charged.
- If it drops below $1,000.00, no dividends will be paid for that month.
Share Certificates
$500.00 Minimum Deposit
Term in Months | Rates | APY* |
6 Months | 3.00% | 3.04% |
12 Months | 3.25% | 3.30% |
24 Months | 3.50% | 3.56% |
36 Months | 3.75% | 3.81% |
48 Months | 3.75% | 3.81% |
60 Months | 3.75% | 3.81% |
Join a Credit Union That Puts You First
Becoming a member is easy — and the benefits last a lifetime. Discover the difference of a credit union that puts people over profit and community above all else.
