Credit union · NCUA insured
FAA Federal Credit Union Auto Loan Rates
FAA Federal Credit Union auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 15, 2026.
How FAA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FAA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FAA Federal Credit Union
4.69%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
FAA Federal Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FAA 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.
Auto Loans
Financing rates and terms based upon creditworthiness, age of collateral, and amount financed. Up to 105% financing available on new vehicles and up to 105% of NADA retail value on used vehicles. Current and previous year models qualify as new. Maximum APR for variable rate loans is 18%. Rates shown are as low as for A+ credit tier. Optional skip-a-payment available for a $30 fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.19% | Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 48 months | 4.44% | Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 60 months | 4.69% | Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 72 months | 4.99% | Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 60 months | 5.19% | Vehicle Year: 2021-2024. Rates are as low as and indicate an A+ rate. |
| up to 48 months | 5.39% | Vehicle Year: 2020. Rates are as low as and indicate an A+ rate. |
| up to 36 months | 5.59% | Vehicle Year: 2016-2019. Rates are as low as and indicate an A+ rate. |
| — | 7.09% | Vehicle Year: 2011 – 2015 Older Used. Fixed rate. Rates are as low as and indicate an A+ rate. |
| — | 5.84% | Vehicle Type: Classic Auto. Fixed rate. Rates are as low as and indicate an A+ rate. |
Motorcycle Loans
All loan rates shown are as low as, indicate an A+ rate for motorcycles. Term restrictions may apply. Variable rates are subject to change according to terms of agreement. Maximum annual percentage rate for variable rate loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.94% | Motorcycle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 48 months | 6.19% | Motorcycle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 60 months | 6.44% | Motorcycle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 72 months | 6.74% | Motorcycle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate. |
| up to 60 months | 6.94% | Motorcycle Year: 2021 – 2024. Rates are as low as and indicate an A+ rate. |
| up to 48 months | 7.14% | Motorcycle Year: 2020. Rates are as low as and indicate an A+ rate. |
| up to 36 months | 7.34% | Motorcycle Year: 2016 – 2019. Rates are as low as and indicate an A+ rate. |
| — | 7.34% | Motorcycle Type: Classic Motorcycle. Fixed rate. Rates are as low as and indicate an A+ rate. |
Sources (1)
- faafcu.org/rates · captured Oct 5, 2026
Who can join FAA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of approved sponsored employee groups / partner companies are eligible for membership.
- Persons retired as pensioners or annuitants from eligible sponsor companies/employment list are eligible for membership.
Family and household
- Immediate family members of eligible company employees/members, and spouses of persons who died while within the field of membership, are eligible for membership.
Cost to join
- Opening a Members Savings Account upon approval of a Member Service Agreement is required to officially establish membership.
Membership information collected October 5, 2026.