Credit union · NCUA insured
Financial Resources FCU Auto Loan Rates
Financial Resources FCU auto loans start at 6.19% APR for a new vehicle and 6.19% for a used one. Rates checked October 22, 2026.
How Financial Resources FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Financial Resources FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Financial Resources FCU
6.19%APR
- Terms
- up to 60 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Financial Resources FCU auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew6.19%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Financial Resources FCU 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.
12welve Auto Loans
60-month Auto Loan Program for borrowers with minimal/limited credit history. Loan amounts up to $25,000. Available for new and used auto loans. Cannot be combined with any other rate discount programs or incentives. 1% rate reduction after every 12 consecutive on-time monthly payments (up to 3 reductions maximum).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 11.44% | Months 1-12. Base rate before reductions. Full loan term is 60 months. |
| up to 60 months | 10.44% | Months 13-24. Requires 12 consecutive on-time monthly payments for 1% rate reduction. Full loan term is 60 months. |
| up to 60 months | 9.44% | Months 25-36. Requires 24 consecutive on-time monthly payments for 2% total rate reduction. Full loan term is 60 months. |
| up to 60 months | 8.44% | Months 37-60. Requires 36 consecutive on-time monthly payments for 3% total rate reduction. Full loan term is 60 months. |
Sources (2)
All captured Oct 4, 2026
New & Used Auto Loans
Quoted APRs are 'as low as' and include a 0.30% relationship discount (0.10% for active checking, 0.10% for existing consumer loan, 0.10% for mortgage/investment account; add 0.30% if no qualifying relationship). Fixed APR. Financing up to 130% retail value/financing. Terms over 72 months require a minimum loan amount of $30,000. Exclusively for titled vehicles through licensed dealerships; private party purchases not eligible. Vehicles must be no more than 9 years old for used/refinance. Puerto Rico excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.14% | Relationship Premium APR as low as with 0.30% discount included. Up to 36 months. |
| up to 48 months | 6.19% | Relationship Premium APR as low as with 0.30% discount included. Up to 48 months. |
| up to 60 months | 6.19% | Relationship Premium APR as low as with 0.30% discount included. Up to 60 months. |
| up to 72 months | 6.39% | Relationship Premium APR as low as with 0.30% discount included. Up to 72 months. |
| up to 84 months | 6.74% | Relationship Premium APR as low as with 0.30% discount included. Terms over 72 months require a minimum loan amount of $30,000. Up to 84 months. |
Sources (3)
- myfinancialresources.org/auto-loans
- myfinancialresources.org/home/borrow/rates
- myfinancialresources.org/auto-loan-offer-walmart
All captured Oct 4, 2026
Who can join Financial Resources FCU
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, worship, or attend school in the Greater New Brunswick Area (Middlesex County), Flemington Borough (Hunterdon County), Elizabeth (Union County), or Jersey City (Hudson County), New Jersey are eligible for membership.
Employers and groups
- Individuals employed by one of the hundreds of partner associations, organizations, or businesses are eligible for membership.
Family and household
- Immediate family and household members of someone who has already joined FRFCU are eligible for membership.
Other ways
- Individuals can become eligible for membership by joining the American Consumer Council (ACC) for free.
Cost to join
- Business membership starts with a $10 share deposit in any checking (share draft) or savings (share) business account.
- Consumer membership starts with a $1 share deposit in any checking (share draft) or savings (share) account.
Membership information collected October 5, 2026.