Credit union · NCUA insured
Community First Federal Credit Union Auto Loan Rates
Community First Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Community First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Community First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community First Federal Credit Union
4.99%APR
- Terms
- up to 60 months
2026 New Vehicle Loan
Lowest rate
Meijer Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
- Terms
- —
Community First Federal Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community First 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.
2018 Used Auto and Older
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | Rates as low as |
2019 Used Auto
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 8.00% | Rates as low as |
2020 Used Auto
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.75% | Rates as low as |
2021 Used Auto
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.25% | Rates as low as |
2022-2025 Used Auto
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25% | Rates as low as |
2026 New Vehicle Loan
Guaranteed fixed rate and payment; GAP insurance available; Eligible for military discount (Honorary Club).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Rates as low as |
Who can join Community First Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, goes to school, volunteers, or worships in the served township areas is eligible to join.
Family and household
- Individuals who have a grandparent, parent, child, grandchild, sibling, or spouse that is currently a member of Community First Federal Credit Union are eligible to join.
Cost to join
- Minors can start a membership with as little as $0.25.
- All memberships start with a savings account and a deposit of $10.00.
Membership information collected October 5, 2026.