Credit union · NCUA insured
Erie Fire Fighters Federal Credit Union Auto Loan Rates
Erie Fire Fighters Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Erie Fire Fighters Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where Erie Fire Fighters Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Erie Fire Fighters Federal Credit Union
4.50%APR
- Terms
- up to 72 months
- Up to
- 14.00% APR
Secured / NEWER auto-motorcycle loans
Lowest rate
Americo FCU
4.49%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
- Up to
- —
Erie Fire Fighters Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Erie Fire Fighters 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.
Secured / NEWER auto-motorcycle loans
Applies to 5 year old vehicles to current year brand new vehicles. Credit union will loan up to 100% of MSRP Value. Debt-to-income loan policy limit is 45% (exceptions may apply).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.50%–14.00% | Rates vary by Credit Grade from A+ (800-850 FICO Classic 08, 4.50% APR) to E (539 and below, 14.00% APR). Maximum loan amount up to 100% of MSRP Value. Maximum term 72 months. |
Sources (1)
- eriefirefightersfcu.com/wp-con…s-RBP-chart-12102025.pdf · captured Oct 16, 2026
Secured / USED auto-motorcycle loans
Applies to 6 year old vehicles and older. Credit union will loan up to 100% of a booked value. Debt-to-income loan policy limit is 45% (exceptions may apply).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00%–15.00% | Rates vary by Credit Grade from A+ (800-850 FICO Classic 08, 6.00% APR) to E (539 and below, 15.00% APR). Maximum loan amount up to 100% of booked value. Maximum term 60 months. |
Sources (1)
- eriefirefightersfcu.com/wp-con…s-RBP-chart-12102025.pdf · captured Oct 16, 2026
Who can join Erie Fire Fighters Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.