Credit union · NCUA insured
Firefighters First Credit Union Auto Loan Rates
Top CarrotFirefighters First Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Firefighters First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Firefighters First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Firefighters First Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Firefighters First 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 Loans
Financing for new and used cars, trucks, SUVs, and vans with the same rate (same rate for new and used vehicles up to 5 years old). Up to 120% financing on approved credit. Loans currently financed with Firefighters First Credit Union are not eligible. Credit union does not lend on collateral loans in non-titling states. Direct deposit discount of 0.50% APR with $1,000/month for two consecutive months.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
| up to 36 months | 4.24% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
| up to 48 months | 4.49% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
| up to 60 months | 4.49% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
| up to 72 months | 4.99% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
| up to 84 months | 5.49% | Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit. |
Motorcycle Loans
Finances new and used motorcycles (cruisers, sport bikes, adventure tourers, and touring bikes) at the same rate up to 5 years old. Up to 115% financing on approved credit. Maximum term is 72 months (maximum 60 months for used motorcycles over 5 years old). Direct deposit discount of 0.50% applies to loans up to 72 months for members with qualifying direct deposit of at least $1,000/month for two consecutive months. Loans currently financed with Firefighters First Credit Union are not eligible. Does not lend in non-titling states on collateral loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.24% | Rate 'as low as'. Up to 115% financing on approved credit. APR requires full direct deposit (0.50% direct deposit discount included with minimum $1,000/month for 2 consecutive months). |
| up to 60 months | 6.74% | Rate 'as low as'. Up to 115% financing on approved credit. APR requires full direct deposit (0.50% direct deposit discount included with minimum $1,000/month for 2 consecutive months). |
| up to 72 months | 7.24% | Rate 'as low as'. Up to 115% financing on approved credit. Maximum term for used motorcycles over 5 years old is 60 months; newer bikes eligible up to 72 months. APR requires full direct deposit (0.50% direct deposit discount included with minimum $1,000/month for 2 consecutive months). |
Who can join Firefighters First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Business membership accounts are available for member-owned businesses, fire departments, unions, and fire-related nonprofits.
Military, government and schools
- New, active, and retired firefighters, fire department employees, staff of nonprofit organizations supporting firefighters, and individuals receiving pensions from any of these groups are eligible to join.
Family and household
- Immediate family members of eligible individuals, including spouses, children, stepchildren, adopted children, parents, stepparents, siblings, grandparents, and grandchildren, are eligible for membership.
Membership information collected October 5, 2026.