Credit union · NCUA insured
First Capital Federal Credit Union Auto Loan Rates
Top CarrotFirst Capital Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How First Capital Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near York, PA, where First Capital Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Capital Federal Credit Union
3.99%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Heritage Valley Federal Credit Union
3.99%APR
- Terms
- 49–60 months
3rd-lowest rate
Glatco Credit Union
4.99%APR
- Terms
- up to 60 months
First Capital Federal Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.99%
- 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 First Capital 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 Loans
Financing available up to 115% for qualified borrowers on new and used vehicles. Terms available from 12 to 84 months. Green loan discount of 0.15% available for purchasing a hybrid or vehicle exceeding 32 highway MPG.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS. Valid on new vehicles defined as 2026-2027 and never been titled. Minimum loan amount $20,000. 700 credit score and above. Maximum LTV 115%. Offers are for dealer purchases only (no private sales) and limited to 2024 or newer makes/models. No payments for up to first 90 days (interest will accrue). Cannot be combined with any other offer other than the First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026. |
| up to 72 months | 4.49% | PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS. Valid on used vehicles, 2024 model year or newer. Minimum loan amount $20,000. 700 credit score and above. Maximum LTV 115%. Offers are for dealer purchases only (no private sales) and limited to 2024 or newer makes/models. No payments for up to first 90 days (interest will accrue). Cannot be combined with any other offer other than the First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026. |
| up to 48 months | 4.49% | New Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 60 months | 4.74% | New Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 72 months | 5.24% | New Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 84 months | 5.99% | New Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 48 months | 4.75% | Used Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 60 months | 4.99% | Used Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 72 months | 5.49% | Used Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
| up to 84 months | 6.14% | Used Vehicles. Rate stated as low as, subject to credit approval and creditworthiness. |
Who can join First Capital Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of an affiliated Preferred Business Partner qualify for membership.
- Volunteers associated with a First Capital Preferred Business Partner qualify for membership.
Family and household
- Immediate family members (related by blood, marriage, or other recognized family relationship) of an employee of an affiliated Preferred Business Partner qualify for membership.
- Roommates and individuals sharing another member's household qualify for membership.
Other ways
- Members of the FirstCap Gives Back Foundation qualify for membership.
Cost to join
- A one-time membership fee of $1 is required when applying in person.
- A minimum deposit of $5 into a Regular Share Savings account is required to establish membership.
Membership information collected October 5, 2026.