Credit union · NCUA insured
Bethlehem 1st Federal Credit Union Auto Loan Rates
Bethlehem 1st Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Bethlehem 1st Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where Bethlehem 1st Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bethlehem 1st Federal Credit Union
5.49%APR
- Terms
- up to 60 months
New Vehicle
Lowest rate
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
2nd-lowest rate
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
Bethlehem 1st Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bethlehem 1st Federal Credit Union 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.
New Vehicle
Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.24% | Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) |
| up to 72 months | 5.74% | Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) |
| up to 60 months | 5.49% | Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) |
| up to 48 months | 4.99% | Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) |
| 12–36 months | 4.99% | Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) |
Used Vehicles (2019-2026)
Up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.). Applicable to model years 2019-2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | Up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.) |
| up to 72 months | 6.24% | Up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.) |
| up to 60 months | 5.74% | Up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.) |
| 12–48 months | 4.99% | Up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.) |
Who can join Bethlehem 1st Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals associated with affiliated Service Organization SEGs are eligible for membership.
Military, government and schools
- Individuals associated with qualifying Education Select Employee Groups are eligible for membership.
- Employees and constituents of affiliated Municipality SEGs are eligible for membership.
- Individuals associated with qualifying Public Office SEGs are eligible for membership.
- Students belonging to designated Student Groups are eligible for membership.
Family and household
- Family members of existing Bethlehem 1st FCU members (including spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings, and adopted children) are eligible for membership.
Membership information collected October 5, 2026.