Credit union · Privately insured
Firefighters Credit Union Auto Loan Rates
Firefighters Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 15, 2026.
How Firefighters Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Firefighters Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Firefighters Credit Union
5.25%APR
- Terms
- —
- Up to
- —
Auto/Vehicle Loans (New & Used) 26-25-24
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Firefighters Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Firefighters 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.
Auto/Vehicle Loans (New & Used) 26-25-24
For model years 2026, 2025, and 2024 (new and used). Rates determined by credit rating; credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | APR as low as for credit scores of 800 and above. Qualifies for loyalty discount only. |
| — | 6.75% | Standard APR as low as. Rate determined by credit rating. |
| — | 5.75% | Discounted APR includes a 0.50% interest rate reduction for ACH/Payroll payment and a 0.50% Loyalty discount. |
Auto/Vehicle Loans (Used '17-older)
For model years 2017 and older (used). Rates determined by credit rating; credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.75% | APR as low as. Rate determined by credit rating. |
| — | 6.75% | Discounted APR includes a 0.50% interest rate reduction for ACH/Payroll payment and a 0.50% Loyalty discount. |
Sources (1)
- fire-cu.org/loans/rates · captured Oct 7, 2026
Auto/Vehicle Loans (Used ‘20-18)
For model years 2018 to 2020 (used). Rates determined by credit rating; credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.50% | APR as low as. Rate determined by credit rating. |
| — | 6.50% | Discounted APR includes a 0.50% interest rate reduction for ACH/Payroll payment and a 0.50% Loyalty discount. |
Sources (1)
- fire-cu.org/loans/rates · captured Oct 7, 2026
Auto/Vehicle Loans (Used ‘23-21)
For model years 2021 to 2023 (used). Rates determined by credit rating; credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.75% | APR as low as for credit scores of 800 and above. Qualifies for loyalty discount only. |
| — | 7.00% | Standard APR as low as. Rate determined by credit rating. |
| — | 6.00% | Discounted APR includes a 0.50% interest rate reduction for ACH/Payroll payment and a 0.50% Loyalty discount. |
Sources (1)
- fire-cu.org/loans/rates · captured Oct 7, 2026
Who can join Firefighters Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Computer Experts are eligible to join.
- Employees of Firefighters Credit Union are eligible to join.
- Employees of File Engine, Server Partners, LLC are eligible to join.
- All members of the Indiana Firefighters Association, Inc. are eligible to join.
- All members of the Indiana Volunteer Firefighters Association are eligible to join.
- All members of the Professional Fire Fighters Union of Indiana, Inc. are eligible to join.
6 more ways to join
Employers and groups
- Persons retired as pensioners or annuitants from the qualifying employments are eligible to join.
Military, government and schools
- All firefighters appointed in any capacity or status and civilian employees of Fire Departments in Marion, Boone, Hamilton, Hancock, Hendricks, Johnson, Morgan and Shelby Counties, IN are eligible to join.
- Full-time, paid, professional, uniformed employees of Police Departments in the Cities of Franklin, Greenfield, Shelbyville or Speedway, IN are eligible to join.
Family and household
- Members of immediate families, including life partners, of eligible persons are eligible to join.
- Spouses of persons who died while within the field of membership of this Credit Union are eligible to join.
Other ways
- Organizations of eligible persons are eligible to join.
Cost to join
- A regular share savings account requires a $5 minimum balance.
Membership information collected October 5, 2026.