Credit union · NCUA insured
First Choice America Community Federal Credit Union Auto Loan Rates
First Choice America Community Federal Credit Union auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 22, 2026.
How First Choice America Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Weirton, WV-OH, where First Choice America Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Choice America Community Federal Credit Union
5.39%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle Financing
Lowest rate
YTR Community FCU
4.50%APR
- Terms
- up to 84 months
- Up to
- 13.75% APR
2nd-lowest rate
Strip Steel Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
First Choice America Community Federal Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Choice America Community 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.
New Vehicle Financing
All loans subject to credit approval. Membership eligibility required. Terms and rates not available for purchase or refinance of commercial use vehicles. Up to 100% financing. $50 minimum payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | 100% financing. Payment example: $29.79 per $1,000 financed for 36 months at 4.59% APR. 4.59% APR is based on 2025-2026 vehicles financed for 36 months. |
| up to 48 months | 5.29% | 100% financing. |
| up to 60 months | 5.39% | 100% financing. |
| up to 66 months | 5.59% | 100% financing. |
| up to 72 months | 5.69% | 100% financing. |
Sources (1)
- firstchoiceamericacu.org/borrowing/auto-loans · captured Oct 7, 2026
Used Vehicle Financing
All loans subject to credit approval. Membership eligibility required. Terms and rates not available for purchase or refinance of commercial use vehicles. $50 minimum payment. Financing percentages vary by model year (up to 100% for 2023-2025, 90% for 2020-2022, 80% for 2018-2019).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | 2025 model year; 100% financing. |
| up to 48 months | 5.29% | 2025 model year; 100% financing. |
| up to 60 months | 5.39% | 2025 model year; 100% financing. |
| up to 66 months | 5.59% | 2025 model year; 100% financing. |
| up to 36 months | 5.19% | 2024 model year; 100% financing. |
| up to 48 months | 5.39% | 2024 model year; 100% financing. |
| up to 60 months | 5.49% | 2024 model year; 100% financing. |
| up to 36 months | 5.39% | 2023 model year; 100% financing. |
| up to 48 months | 5.79% | 2023 model year; 100% financing. |
| up to 60 months | 5.89% | 2023 model year; 100% financing. |
| up to 36 months | 5.69% | 2022 model year; 90% financing. |
| up to 48 months | 5.89% | 2022 model year; 90% financing. |
| up to 60 months | 5.99% | 2022 model year; 90% financing. |
| up to 36 months | 6.09% | 2020 & 2021 model years; 90% financing; financing up to 60 months. |
| up to 48 months | 6.29% | 2020 & 2021 model years; 90% financing; financing up to 60 months. |
| up to 60 months | 6.39% | 2020 & 2021 model years; 90% financing; financing up to 60 months. |
| up to 36 months | 6.49% | 2019 model year; 80% financing. |
| up to 48 months | 6.69% | 2019 model year; 80% financing. |
| up to 60 months | 6.79% | 2019 model year; 80% financing. |
| up to 36 months | 6.59% | 2018 model year; 80% financing. |
| up to 48 months | 6.79% | 2018 model year; 80% financing. |
| up to 60 months | 6.89% | 2018 model year; 80% financing. |
Sources (1)
- firstchoiceamericacu.org/borrowing/auto-loans · captured Oct 7, 2026
Who can join First Choice America Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who work, reside, worship, or attend school in specified counties and cities in West Virginia and Ohio, and specified townships in Washington County, Pennsylvania.
Employers and groups
- Membership is open to persons retired as pensioners or annuitants from an employer located within the field of membership.
Family and household
- Membership is open to members of the immediate family and household, and organizations of such persons.
- Membership is open to spouses of persons who died within the field of membership of the Credit Union.
Other ways
- Membership is open to local businesses and other legal entities located within the eligible geographic field of membership areas.
- Membership is open to volunteers in the community.
Cost to join
- Membership requires the purchase of a $5 share in a First Choice America savings account and completion of a membership application.
Membership information collected October 4, 2026.