Purchase Rates as low as 3.75%
Re-financing rates as low as 4.75%

FULL DISCLOSURE: Purchase rates as low as 3.75% Annual Percentage Rate (APR) are available on qualifying vehicle purchases financed from October 1 through October 16, 2026. Refinance rates as low as 4.75% APR are available on qualifying vehicle loans refinanced from October 1 through October 31, 2026. The lowest advertised APRs are available only to qualified borrowers and are not guaranteed. Your actual APR, loan term, and payment will be determined by your creditworthiness, loan amount, loan-to-value ratio, vehicle age and mileage, repayment term, and other underwriting criteria. Not all applicants or vehicles will qualify for the lowest advertised rates. Additional terms, conditions, and restrictions may apply. Restrictions may apply to vehicle loans currently financed by Heritage South Credit Union. Vehicle availability, prices, warranties, and dealership terms are established by the participating dealerships. Heritage South Credit Union does not guarantee vehicle availability or condition. Membership eligibility is required. All loans are subject to credit approval. Rates and promotional terms are subject to change or withdrawal without notice. Contact Heritage South Credit Union for complete details.
Federally insured by NCUA. Equal Opportunity Lender.

Enter Daily Giveaways Test Drive Promotion

Get ready for the Heritage South Credit Union Fall Car Sale! Our special purchase and refinancing rates are being finalized and will be posted soon.

Important Dates

  • Special purchase rates: October 1–16, 2026
  • Special refinancing rates: Available throughout October
  • On-site Fall Car Sale: October 14–16, 2026
  • Location: Highway 280 Main Branch in Sylacauga
  • Hundreds of vehicles to choose from!

Check back soon for complete rate information. In the meantime, contact a Heritage South Credit Union loan officer to learn more and start preparing for the sale.

Have Questions? Ask Us About the Fall Car Sale!

Membership eligibility required. All loans are subject to credit approval. Additional terms and conditions may apply.

Click Here to Apply Today