Credit union · NCUA insured
First Alliance Credit Union Auto Loan Rates
First Alliance Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 16, 2026.
How First Alliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, MN, where First Alliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Alliance Credit Union
4.99%APR
- Terms
- 37–60 months
Affordable Auto Loans
Lowest rate
Mayo Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Think Bank
4.99%APR
- Terms
- up to 60 months
First Alliance Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Alliance 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.
Affordable Auto Loans
Rates are quoted as low as and subject to evaluation of your credit. 100% financing options available.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.74% | Rates are quoted 'as low as' and subject to evaluation of your credit. |
| 37–60 months | 4.99% | Rates are quoted 'as low as' and subject to evaluation of your credit. |
| 61–75 months | 5.24% | Rates are quoted 'as low as' and subject to evaluation of your credit. |
| 76–84 months | 5.49% | Rates are quoted 'as low as' and subject to evaluation of your credit. |
Sources (1)
- firstalliancecu.com/auto-lending · captured Oct 5, 2026
Who can join First Alliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, does regular business, worships, attends school, or owns a business/entity in 14 southeast Minnesota counties.
Family and household
- Family members of existing members are eligible to join regardless of where they reside.
Other ways
- Open to those who donate a minimum of $10 to the First Alliance Credit Union Foundation.
Cost to join
- A share deposit of $5 is required to open an account.
Membership information collected October 4, 2026.