--- title: "Members Heritage Credit Union Rates: Vehicle 5.49%, Personal 9.75%" description: "Members Heritage Credit Union rates today: vehicle loans from 5.49% APR, personal loans from 9.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Members Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/members-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members Heritage Credit Union Rates: Vehicle 5.49%, Personal 9.75% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Vehicle Loan, 100% Financing** auto | 5.490% APR | 5.490% | — | Standard | | **New or Used Boats, RVs & Campers, 80% Financing (fixed)** boat_any | 7.240% APR | 7.240% | any | Standard | | **New or Used Boats, RVs & Campers, 100% Financing (fixed)** boat_any | 7.490% APR | 7.490% | any | Standard | | **Secured Other Than Vehicles (variable) Personal Property** auto | 11.250% APR | 11.250% | — | Standard | Members Heritage Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Members Heritage Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan (fixed)** personal_unsecured | 9.750% APR | 9.750% | — | Standard | | **Overdraft Protection Loan (fixed)** personal | 15.000% APR | 15.000% | — | Standard | Members Heritage Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **VISA - Set Rate** credit_card | — APR | 9.750% | — | Standard | | **VISA - Variable Rate** credit_card | — APR | 11.750% | — | Standard | Members Heritage Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Current Promos** savings | — APY | 4.00% | — | Standard | | **Certificate** share_certificate | — APY | 4.00% | — | Standard | Members Heritage Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Farm Equipment over $25,000 (variable)** equipment | 11.250% APR | 11.250% | — | Standard | Members Heritage Credit Union equipment loan rates as of November 12, 2026 Vehicle loans available from 5.49% APR. Personal loan rates from 9.75% APR. Equipment loans from 11.25% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/members-heritage) , verified from [Members Heritage Credit Union's official website](https://www.membersheritage.org/) Best product position **Better than the Kentucky median** personal loan Gap to state best **750 bp** 750 bp from state best Vs. state median **38 bp better than median** personal loan Products ranked **1** across tracked Kentucky markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.75% | Better than the Kentucky median | 750 bp from state best | 38 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Members Heritage Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=members-heritage&state=kentucky&code=KY&name=Members%20Heritage%20Credit%20Union) Loading branch locator… ## About Members Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 54.8K Assets $583.6M Founded 1960 Locations reported 5 NCUA charter 68661 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Metro Plus** Main Office · Lexington · KY · 40511 About 3.9 miles away](https://rateapi.dev/credit-unions/kentucky/metro-plus) [**The Health & Education** Main Office · Lexington · KY · 40511-1829 About 5.1 miles away](https://rateapi.dev/credit-unions/kentucky/the-health-education) [**Lexington Postal Community** LPCCU Main · Lexington · KY · 40511 About 6.3 miles away](https://rateapi.dev/credit-unions/kentucky/lexington-postal-community) [**Commonwealth** Georgetown West Branch · Georgetown · KY · 40324-7400 About 6.6 miles away](https://rateapi.dev/credit-unions/kentucky/commonwealth) [**Kue** Main Office · Lexington · KY · 40507-1428 About 7.0 miles away](https://rateapi.dev/credit-unions/kentucky/kue) [**University of Kentucky** Frederick Douglass High School · Lexington · KY · 40505-4800 About 7.0 miles away](https://rateapi.dev/credit-unions/kentucky/university-of-kentucky) 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 Members Heritage Credit Union Membership eligibility from Members Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** No membership fee or minimum deposit listed. Verified from [Members Heritage Credit Union's membership page](https://www.membersheritage.org/benefits-of-membership) . Final membership determination is always made by the credit union. ## Work at Members Heritage 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 Members Heritage Credit Union ranks against Kentucky peers. - See which AI assistants fetched Members Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-heritage&state=kentucky&code=KY&name=Members%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members Heritage Credit Union offer? Members Heritage Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Members Heritage Credit Union rates updated? RateAPI verifies Members Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Members Heritage Credit Union's rate data? Rate data is collected directly from Members Heritage 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 Members Heritage Credit Union's auto & boat loan rates? As of November 12, 2026, Members Heritage Credit Union offers vehicle loans from 5.49% APR. ### What is Members Heritage Credit Union's personal loan rate? As of November 12, 2026, Members Heritage Credit Union offers personal loans from 9.75% APR. ### Who can join Members Heritage Credit Union? Members Heritage Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Members Heritage Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky HELOC rate leaders](https://rateapi.dev/heloc-rates/kentucky) [Kentucky personal loan leaders](https://rateapi.dev/personal-loan-rates/kentucky) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.membersheritage.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Members Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Members Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /members-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members Heritage Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/members-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp