Credit union · NCUA insured
First Atlantic Federal Credit Union Auto Loan Rates
Top CarrotFirst Atlantic Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How First Atlantic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Atlantic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Atlantic Federal Credit Union
5.24%APR
- Terms
- 61–72 months
- Discount
- None included
NEW VEHICLES
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Atlantic Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Atlantic 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.
Auto Lease Buyout
APR is for new First Atlantic loans only. The actual rate may vary based on creditworthiness. Receive $50 when you finance $20,000 or more with a direct auto loan, lease buyout, or external refinance through First Atlantic.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | APR as low as 4.99%. Actual rate may vary based on creditworthiness. For new First Atlantic loans only. |
Sources (1)
- fafcu.com/auto-loans · captured Oct 4, 2026
Auto Loan Refinance
APR is for new First Atlantic loans only. The actual rate may vary based on creditworthiness. Receive $50 when you finance $20,000 or more with a direct auto loan, lease buyout, or external refinance through First Atlantic.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | APR as low as 4.99%. Actual rate may vary based on creditworthiness. For new First Atlantic loans only. |
Sources (1)
- fafcu.com/auto-loans · captured Oct 4, 2026
NEW & USED MOTORCYCLE
Rates may vary based on personal credit history, loan-to-value (LTV), terms, and other factors. First Atlantic Federal Credit Union membership is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.00% | As low as rate for terms up to 48 months. Rates may vary based on personal credit history, loan-to-value (LTV), terms, and other factors. |
| 49–60 months | 10.50% | As low as rate for terms 49-60 months. Rates may vary based on personal credit history, loan-to-value (LTV), terms, and other factors. |
Sources (1)
- fafcu.com/loan-rates · captured Oct 4, 2026
NEW VEHICLES
Rates vary based on personal credit history, loan-to-value (LTV), terms, and other factors. First Atlantic Federal Credit Union membership is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | As low as rate for terms up to 36 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 37–48 months | 5.24% | As low as rate for terms 37 to 48 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 49–60 months | 5.49% | As low as rate for terms 49 to 60 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 61–72 months | 5.24% | As low as rate for terms 61 to 72 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 73–84 months | 6.24% | As low as rate for terms 73 to 84 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
USED VEHICLES
Rates vary based on personal credit history, loan-to-value (LTV), terms, and other factors. First Atlantic Federal Credit Union membership is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | As low as rate for terms up to 36 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 37–48 months | 5.49% | As low as rate for terms 37 to 48 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 49–60 months | 5.74% | As low as rate for terms 49 to 60 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 61–72 months | 5.49% | As low as rate for terms 61 to 72 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
| 73–84 months | 6.49% | As low as rate for terms 73 to 84 months. Rates vary based on creditworthiness, LTV, terms, and other factors. |
Who can join First Atlantic Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.