The Heart Center Credit Union
Verified rate book
Current The Heart Center Credit Union rates
20 published offers verified as of August 4, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 72-Month New Auto Loanauto_new_72mo | 4.250% APR | 4.250% | 72 mo · new | Standard |
| 72-Month Used Auto Loanauto_used_72mo | 4.990% APR | 4.990% | 72 mo · used | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 12-Month Unsecured Personal Loanpersonal_unsecured_12mo | 5.900% APR | 5.900% | 12 mo | Standard |
| 24-Month Unsecured Personal Loanpersonal_unsecured_24mo | 6.900% APR | 6.900% | 24 mo | Standard |
| 36-Month Unsecured Personal Loanpersonal_unsecured_36mo | 7.900% APR | 7.900% | 36 mo | Standard |
| Overdraft Line of Creditpersonal | 9.900% APR | 9.900% | — | Standard |
| 48-Month Unsecured Personal Loanpersonal_unsecured_48mo | 9.900% APR | 9.900% | 48 mo | Standard |
| 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 10.900% APR | 10.900% | 60 mo | Standard |
Student loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Student Loanstudent | 5.900% APR | 5.900% | — | Standard |
Savings & CD rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Over $250savings | 0.15% APY | 0.15% | — | Standard |
| Money Marketmoney_market | 0.35% APY | 0.35% | — | Standard |
| 6-Month Certificatecd_6mo | 1.00% APY | 1.00% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 1.50% APY | 1.50% | 12 mo | Standard |
| Certificatecd | 1.50% APY | 1.50% | — | Standard |
| Jumbo CDcd | 2.52% APY | 2.50% | — | Standard |
Other rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Minimum balance $25,000.other | 2.520% % | 2.500% | — | Standard |
| Minimum balance $50,000.other | 3.030% % | 3.000% | — | Standard |
| Minimum balance $100,000.other | 4.060% % | 4.000% | — | Standard |
Auto loans available from 4.25% APR for 72 months. HELOC rates from 6.75% APR. Personal loan rates from 5.9% APR. Savings and certificate yields up to 2.52% APY.
Source: RateAPI.dev, verified from The Heart Center Credit Union's official website
Loading branch locator…
About The Heart Center Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.6K
- Assets
- $20.9M
- Founded
- 1976
- Locations reported
- 1
- NCUA charter
- 22456
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Financial counseling
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join The Heart Center Credit Union
Membership eligibility from The Heart Center Credit Union's own published criteria. How we verify this.
Membership criteria are published on The Heart Center Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from The Heart Center Credit Union's membership page. Final membership determination is always made by the credit union.
Work at The Heart Center Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where The Heart Center Credit Union ranks against New York peers.
Frequently Asked Questions
What rates does The Heart Center Credit Union offer?
The Heart Center Credit Union currently offers Auto loan, HELOC, personal loan, and student loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are The Heart Center Credit Union rates updated?
RateAPI verifies The Heart Center Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get The Heart Center Credit Union's rate data?
Rate data is collected directly from The Heart Center Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are The Heart Center Credit Union's auto loan rates?
As of August 4, 2026, The Heart Center Credit Union offers auto loans from 4.25% APR.
What is The Heart Center Credit Union's HELOC rate?
As of August 4, 2026, The Heart Center Credit Union offers home equity lines of credit from 6.75% APR.
What is The Heart Center Credit Union's personal loan rate?
As of August 4, 2026, The Heart Center Credit Union offers personal loans from 5.9% APR.
What is The Heart Center Credit Union's best CD rate?
As of August 4, 2026, The Heart Center Credit Union offers savings and certificate (CD) yields up to 2.52% APY.
Related Rate Data
Compare The Heart Center Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack The Heart Center Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for The Heart Center Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/the-heart-center" \
-H "Authorization: Bearer YOUR_API_KEY"