Auto Loans

  • Details

    It pays to be a credit union member—especially when you’re in the market for an auto loan. Take advantage of our competitive auto rates. Purchase a new or used vehicle, or refinance your existing auto loan from another lender to lower your payments.

    • Terms up to 84 months
    • No payments for up to 90 days
    • Set up auto pay
    • Credit Life and Credit Disability coverage available based on eligibility.
    • Guaranteed Asset Protection (GAP)
    • Low cost vehicle warranty protection
    • Convenient rate match program

    Auto Insurance Requirements

    If you have an auto loan with us, you will be required to provide proof of insurance. Comprehensive and collision coverage with a maximum deductible of $1,000.00 must be maintained for the term of the loan. Your policy should be in effect from the date of funding and have a full description of the vehicle shown, as well as our credit union listed as lien holder.

    Lien Holder Address:

    Parks Heritage Federal Credit Union
    5 Murray Street
    Glens Falls, NY 12801
    Fax (518) 926-4707

    Terms & Conditions

    All loans subject to approval. Rates, terms, and conditions are subject to change.

  • Rates

    24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
    Vehicle 2011 or newer
    As Low as:
    1.50% 1.50% 1.75% 1.75% 2.25% 3.00%

    Terms & Conditions

    All loan rates are displayed as APR= Annual Percentage Rate and include a 1.00% relationship discount (0.25% for Direct Deposit / Auto Pay / Checking Account, 0.25% for Financing 2 or More Loans at the Same Time, 0.25% for a Refinance From Another Institution, 0.25% for Having a Mortgage or Home Equity with PHFCU.)

    A sample payment at 1.50% APR would be $28.50 per $1,000 borrowed based on a 36 month loan with 90 days to 1st payment. All loans subject to approval. Rates, terms, and conditions are subject to change without notice. Your overall credit worthiness will determine the rate, term, and amount available to you. Fees and charges may apply.

    Interest will accrue from contract date.

  • Apply

ABA Routing Number: 221375695