Credit union · Privately insured
Firefighters Community Credit Union Auto Loan Rates
Firefighters Community Credit Union auto loans start at 5.39% APR for a new vehicle and 6.89% for a used one. Rates checked October 16, 2026.
How Firefighters Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cleveland, OH, where Firefighters Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Firefighters Community Credit Union
5.39%APR
- Terms
- 24–84 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Steel Valley Federal Credit Union
3.99%APR
- Terms
- —
- Up to
- 10.99% APR
- Discount
- None included
2nd-lowest rate
Lakeview Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Firefighters Community Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed6.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Firefighters Community 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
Individuals must be 18 years of age or older and eligible for membership. Repayment terms range from 24 to 84 months. New car definition: Current and previous model year, never titled and has less than 1,000 miles on it (refinance may be considered new if within one year of original purchase date and member is original owner). Approval and rates based on credit worthiness, number of years financed, amount financed, age of collateral and other qualifying criteria. Quoted rates reflect 0.25% discount for EasyPAY.
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 5.39% | Current and previous model year vehicle, never taxed or titled, with less than 1,000 miles. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Quoted rates reflect 0.25% discount for EasyPAY. |
Sources (1)
- ffcommunity.com/loans/auto-loan · captured Oct 16, 2026
Pre-owned / Used Auto Loan (7 model years and older)
Individuals must be 18 years of age or older and eligible for membership. Repayment terms range from 24 to 84 months. Approval and rates based on credit worthiness, number of years financed, amount financed, age of collateral and other qualifying criteria. Higher rate may be offered upon approval. Quoted rates reflect a 0.25% discount for EasyPAY (requires enrollment in Online Banking with e-Statements, Direct Deposit of at least $200 per month, and Auto Pay for loan payments).
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 6.89% | Vehicle 7 model years and older. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Quoted rates reflect 0.25% discount for EasyPAY. |
Sources (1)
- ffcommunity.com/loans/auto-loan · captured Oct 16, 2026
Who can join Firefighters Community 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 Cuyahoga, Geauga, Lake, Lorain, Medina, Portage, or Summit County in Ohio.
Cost to join
- Opening a savings account requires an initial minimum deposit of $5 to establish membership.
Membership information collected October 5, 2026.