Credit union · NCUA insured
First Choice Credit Union Auto Loan Rates
Top CarrotFirst Choice Credit Union auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How First Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where First Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Choice Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 8.99% APR
Vehicle Loans New Auto
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
First Choice Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
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 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.
Vehicle Loans New Auto
Individual loan rates are determined by members' specific credit history. Loans subject to credit approval. Rates subject to change. Up to 1.25% off APR available with Auto Loan Discounts (Package of Protection Discount .50%, Auto Advisor Discount .25%, Cooperative Discount .50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49%–8.49% | Credit score tiers 720+ (4.49%), 680-719 (4.99%), 640-679 (5.49%), 600-639 (6.99%), Less than 600 (8.49%) |
| up to 48 months | 4.49%–8.74% | Credit score tiers 720+ (4.49%-4.74%), 680-719 (5.24%), 640-679 (5.74%), 600-639 (7.24%), Less than 600 (8.74%) |
| up to 60 months | 4.99%–8.99% | Credit score tiers 720+ (4.99%), 680-719 (5.49%), 640-679 (5.99%), 600-639 (7.49%), Less than 600 (8.99%) |
| up to 72 months | 5.49%–7.99% | Credit score tiers 720+ (5.49%), 680-719 (5.99%), 640-679 (6.49%), 600-639 (7.99%) |
| up to 84 months | 6.24%–7.24% | Credit score tiers 720+ (6.24%), 680-719 (6.74%), 640-679 (7.24%) |
Vehicle Loans Used Auto
Individual loan rates are determined by members' specific credit history. Loans subject to credit approval. Rates subject to change. Up to 1.25% off APR available with Auto Loan Discounts (Package of Protection Discount .50%, Auto Advisor Discount .25%, Cooperative Discount .50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74%–8.74% | Credit score tiers 720+ (4.74%), 680-719 (5.24%), 640-679 (5.74%), 600-639 (7.24%), Less than 600 (8.74%) |
| up to 48 months | 4.99%–8.99% | Credit score tiers 720+ (4.99%), 680-719 (5.49%), 640-679 (5.99%), 600-639 (7.49%), Less than 600 (8.99%) |
| up to 60 months | 5.24%–9.24% | Credit score tiers 720+ (5.24%), 680-719 (5.74%), 640-679 (6.24%), 600-639 (7.74%), Less than 600 (9.24%) |
| up to 72 months | 5.74%–8.24% | Credit score tiers 720+ (5.74%), 680-719 (6.24%), 640-679 (6.74%), 600-639 (8.24%) |
| up to 84 months | 6.49%–7.49% | Credit score tiers 720+ (6.49%), 680-719 (6.99%), 640-679 (7.49%) |
Young Adult Car Loans
For members ages 18-24. Maximum loan amount $15,000. Option of signing with an adult. Various loan terms based on loan dollar amount. Acceptability of older vehicles. Rate discounts available that encourage saving and good grades in school.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.99% | One flat rate for members ages 18-24 |
Sources (1)
- firstchoicecu.org/young-adult-car-loans · captured Oct 15, 2026
Who can join First Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.