Credit union · NCUA insured
AmFirst Auto Loan Rates
Top CarrotAmFirst auto loans start at 4.70% APR for a new vehicle and 4.70% for a used one. Rates checked October 22, 2026.
How AmFirst’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where AmFirst has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AmFirst
4.70%APR
- Terms
- up to 63 months
Auto Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
AmFirst auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AmFirst ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral. Rates are subject to change weekly.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.60% | For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $22.85. |
| up to 63 months | 4.70% | For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $17.94. |
| up to 75 months | 5.30% | For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $15.69. |
| up to 84 months | 6.25% | For 2024, 2025, 2026 vehicles. To qualify for 84 months vehicle value must exceed $25,000. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $14.73. |
| up to 48 months | 4.75% | For 2021, 2022, 2023 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $22.92. |
| up to 63 months | 4.85% | For 2021, 2022, 2023 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $18.01. |
| up to 75 months | 5.80% | For 2021, 2022, 2023 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $15.93. |
| up to 48 months | 6.10% | For 2016-2020 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $23.53. |
| up to 66 months | 6.35% | For 2016-2020 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $17.99. |
| up to 60 months | 7.10% | For 2011-2015 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $19.85. |
Who can join AmFirst
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa, or Walker counties, or certain areas of Mobile, are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit / share purchase of $5.00.
Membership information collected October 4, 2026.