Credit union · NCUA insured
Family First Credit Union Auto Loan Rates
Top CarrotFamily First Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 17, 2026.
How Family First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Family First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Family First Credit Union
4.99%APR
- Terms
- 12–84 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
GREAT LAKES
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Lake Huron Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
Family First Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Family First 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 & Used Auto Loans
Looking to purchase a new or used car. Flexible repayment terms ranging from 12 to 84 months. Optional loan protection and refinancing options available.
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 4.99% | As low as rate for auto loans. Term lengths ranging from 12 to 84 months. |
Who can join Family First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone residing, working, worshiping, or attending school in Saginaw, Bay, Midland, or Genesee Counties is eligible for membership.
Family and household
- Relatives by blood, marriage, or foster children living in an existing member's household are eligible for membership.
Other ways
- Retirees aged 55 or older receiving a pension and living within Saginaw, Bay, Midland, or Genesee Counties are eligible for membership.
Membership information collected October 5, 2026.