Credit union · NCUA insured
Firefighters & Company Federal Credit Union Auto Loan Rates
Top CarrotFirefighters & Company Federal Credit Union auto loans start at 5.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 16, 2026.
How Firefighters & Company Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where Firefighters & Company Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Firefighters & Company Federal Credit Union
5.14%APR
- Terms
- 37–63 months
- Up to
- —
Vehicle Loans
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
Firefighters & Company Federal Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Firefighters & Company 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.
Vehicle Loans
Includes Automobiles, Trucks, & Motorcycles. Qualified Vehicles are 8 model years or newer and 100,000 miles or less. Model year (2019-2026), loan amount, and credit score may affect term and rate. Free CARFAX available. APR includes a $75 document processing fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.84% | New & Used 2019-2026. Rate is as low as 4.59%. APR example based on loan amount of $20,000 and max term stated. |
| 37–63 months | 5.14% | New & Used 2019-2026. Rate is as low as 4.99%. APR example based on loan amount of $20,000 and max term stated. |
| 64–84 months | 5.70% | New & Used 2019-2026. Rate is as low as 5.59%. APR example based on loan amount of $20,000 and max term stated (for a $20,000 new car loan for a term of 84 months with a 5.70% APR, monthly payment is $290.41). |
Sources (2)
All captured Oct 7, 2026
Who can join Firefighters & Company 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in Montgomery County, Greene County, or Miami County, Ohio.
Cost to join
- Opening an account requires an initial $5 deposit, maintaining $50 on deposit within 10 months, and providing a valid ID.
Membership information collected October 5, 2026.