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About Heritage Auto Leasing

The team behind the guarantee.

Heritage was built by executives who have set, monitored, and managed residual value risk across multi-billion-dollar lease portfolios for some of the largest credit unions in the country. That experience is what makes our 100% residual guarantee not just a promise — but a discipline.

Our mission

Aligned with the credit union mission.

Heritage partners with credit unions to deliver a smarter, leaner, lower-cost indirect leasing program — one that grows auto portfolio yield and deepens member relationships without adding residual risk.

We pair decades of hands-on leasing and residual management experience with modern technology through our proprietary LoanSwift™ platform. The result is a program that is stable, transparent, and relentlessly focused on member experience and portfolio performance.

Leadership

Decades of leasing discipline, in one team.

Heritage's founders bring a proven track record in credit union lending, residual risk management, and automotive finance technology.

Chuck Meagher

Chuck Meagher

Co-Founder & CEO

As CEO, Chuck focuses on strategic direction, partner relationships, and financial performance across the organization. He works closely with credit union executives and industry partners to shape Heritage's market strategy, expand funding relationships, and align with each partner's growth objectives. His leadership philosophy centers on trust, transparency, and partnership — values that mirror the credit union mission of member service and community impact.

Chuck brings nearly two decades of experience spanning automotive finance, enterprise sales, and credit analysis. Prior to founding Heritage, he served as Director of Sales & Marketing at Fusion Auto Finance, leading all sales and marketing for one of the nation's most successful indirect leasing platforms. During his tenure, Fusion's flagship CU Xpress Lease grew to over $7.4 billion in originations and more than 195,000 vehicles funded through credit union partnerships nationwide.

Before automotive finance, Chuck built a foundation in enterprise sales and financial services at companies including Anaplan, Latista (acquired by Oracle), XO Communications (acquired by Verizon), and M&T Bank. He earned his BS in Marketing Management from Virginia Tech. Outside of building Heritage, he enjoys cheering on the Hokies and spending time with his wife, Kelly, their two children, Charlie and Brooke, and their golden retriever, Arnie.

cmeagher@heritageautoleasing.com
  • Strategy & Partnerships
  • Credit Union Lending
  • Indirect Leasing
Danny Meagher

Danny Meagher

Co-Founder & COO

Danny brings over 15 years of experience in engineering, systems development, and risk management to his role as COO. With a career bridging technical and financial disciplines, he has built a reputation for designing innovative systems that enhance efficiency and mitigate risk. At Heritage, he leads the development of the company's technology and operational infrastructure — building scalable platforms that improve the leasing experience for credit unions, dealers, and consumers while keeping disciplined risk management central to the business.

Before founding Heritage, Danny served as Director of Risk Management at Fusion Auto Finance, where he oversaw residual-value risk for a 40,000+ vehicle lease portfolio. Leveraging his engineering background, he created proprietary systems for setting and managing residual values, along with tools that streamlined origination for credit union and dealer partners — materially improving operational efficiency and strengthening partner relationships.

Earlier in his career, Danny worked as a process control engineer and then an electrical engineer, designing large-scale electrical distribution systems for commercial and institutional projects and earning his Professional Engineer (PE) license. He holds a BS in Electrical Engineering from Virginia Tech. Outside of work, he enjoys golf and spending time with his wife, Christine, and their bernedoodle, Ralphie.

dmeagher@heritageautoleasing.com
  • Technology & Operations
  • Residual Risk Management
  • LoanSwift™ Platform
$7.4B+
Lease portfolios previously managed
100%
Residual value guaranteed
1
Mission: serve your members

Talk with the people who built it.

Want to understand how the guarantee works, or how Heritage would fit your credit union? Let's start the conversation.

Schedule a Discovery Call →