Credit union · NCUA insured
Family First Federal Credit Union Auto Loan Rates
Family First Federal Credit Union auto loans start at 5.05% APR for a new vehicle and 5.30% for a used one. Rates checked October 17, 2026.
How Family First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Family First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Family First Federal Credit Union
5.05%APR
- Terms
- 1–60 months
- Discount
- Included in the rate
New Auto Loan (2025 and Newer Models)
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
- Discount
- None included
Family First Federal Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
By vehicle
- New vehicleNew5.05%
- Used vehicleUsed5.30%
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 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 Auto Loan (2025 and Newer Models)
Membership eligibility required. Loans subject to credit approval and application. Rates valid as of 10/05/2026.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.05% | As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 5.80% | Non-discounted APR. As low as rate. |
| 61–66 months | 5.05% | As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 61–66 months | 5.80% | Non-discounted APR. As low as rate. |
| 67–72 months | 5.15% | As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 67–72 months | 5.90% | Non-discounted APR. As low as rate. |
| 73–84 months | 5.70% | As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 73–84 months | 6.45% | Non-discounted APR. As low as rate. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
Membership eligibility required. Loans subject to credit approval and application. Rates valid as of 10/05/2026.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.15% | 2024 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 5.90% | 2024 Models. Non-discounted APR. As low as rate. |
| 61–66 months | 5.15% | 2024 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 61–66 months | 5.90% | 2024 Models. Non-discounted APR. As low as rate. |
| 67–72 months | 5.30% | 2024 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 67–72 months | 6.05% | 2024 Models. Non-discounted APR. As low as rate. |
| 73–84 months | 5.90% | 2024 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 73–84 months | 6.65% | 2024 Models. Non-discounted APR. As low as rate. |
| 67–72 months | 5.35% | 2023 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 67–72 months | 6.10% | 2023 Models. Non-discounted APR. As low as rate. |
| 73–78 months | 5.90% | 2023 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 73–78 months | 6.65% | 2023 Models. Non-discounted APR. As low as rate. |
| 1–60 months | 5.25% | 2022 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 6.00% | 2022 Models. Non-discounted APR. As low as rate. |
| 61–66 months | 5.35% | 2022 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 61–66 months | 6.10% | 2022 Models. Non-discounted APR. As low as rate. |
| 67–72 months | 5.65% | 2022 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 67–72 months | 6.40% | 2022 Models. Non-discounted APR. As low as rate. |
| 1–60 months | 7.15% | 2021 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 7.90% | 2021 Models. Non-discounted APR. As low as rate. |
| 61–66 months | 7.30% | 2021 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 61–66 months | 8.05% | 2021 Models. Non-discounted APR. As low as rate. |
| 1–60 months | 7.55% | 2020 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 8.30% | 2020 Models. Non-discounted APR. As low as rate. |
| 61–66 months | 7.70% | 2020 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 61–66 months | 8.45% | 2020 Models. Non-discounted APR. As low as rate. |
| 1–60 months | 7.80% | 2019 – 2018 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–60 months | 8.55% | 2019 – 2018 Models. Non-discounted APR. As low as rate. |
| 1–48 months | 8.00% | 2017 – 2016 Models. As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP. |
| 1–48 months | 8.75% | 2017 – 2016 Models. Non-discounted APR. As low as rate. |
Sources (1)
- home.familyfirstny.com/auto-rates · captured Oct 6, 2026
Who can join Family 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
- Individuals who live, work (or regularly conduct business in), worship, or attend school in the New York counties of Genesee, Livingston, Monroe, and Orleans or the towns of Macedon, Walworth, or Ontario in Wayne County, New York are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent or grandchild, including step and adoptive relationships of each) of eligible members are eligible to join.
- Individuals living in the household of eligible members are eligible for membership.
Other ways
- Businesses and other legal entities located in Genesee, Livingston, Monroe, and Orleans counties or the towns of Macedon, Walworth, or Ontario in Wayne County, New York are eligible for membership.
Cost to join
- A minimum membership share balance of $5 is required for ownership and membership in Family First FCU.
Membership information collected October 5, 2026.