Credit union · NCUA insured
First Choice Federal Credit Union Auto Loan Rates
First Choice Federal Credit Union auto loans start at 4.74% for a used one. Rates checked October 16, 2026.
How First Choice Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where First Choice Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Choice Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
First Choice Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- Used vehicleUsed4.74%
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 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 Autos | Never Titled
Never titled new autos. Rate is determined by manufacture year, length or term of the loan, and borrower's personal credit rating. Rates are 'as low as' and subject to change at any time. All rates reflect a 0.50% discount for Automatic Payment established.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 3.24% | Up to 40 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 41–52 months | 3.74% | 41-52 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 53–64 months | 4.24% | 53-64 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 65–76 months | 4.49% | 65-76 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 77–88 months | 5.49% | 77-88 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
Used Autos | 2019 - 2014
Used autos model years 2019 - 2014. Rate is determined by manufacture year, length or term of the loan, and borrower's personal credit rating. Rates are 'as low as' and subject to change at any time. All rates reflect a 0.50% discount for Automatic Payment established.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.49% | Up to 48 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| up to 60 months | 9.24% | Up to 60 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
Used Autos | 2021 - 2020
Used autos model years 2021 - 2020. Rate is determined by manufacture year, length or term of the loan, and borrower's personal credit rating. Rates are 'as low as' and subject to change at any time. All rates reflect a 0.50% discount for Automatic Payment established.
| Terms | APR | Conditions |
|---|---|---|
| up to 52 months | 5.24% | Up to 52 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 53–64 months | 5.74% | 53-64 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 65–76 months | 6.24% | 65-76 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
Used Autos | 2023 - 2022
Used autos model years 2023 - 2022. Rate is determined by manufacture year, length or term of the loan, and borrower's personal credit rating. Rates are 'as low as' and subject to change at any time. All rates reflect a 0.50% discount for Automatic Payment established.
| Terms | APR | Conditions |
|---|---|---|
| up to 52 months | 4.49% | Up to 52 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 53–64 months | 4.99% | 53-64 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 65–76 months | 5.49% | 65-76 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
Used Autos | 2026 - 2024
Used autos model years 2026 - 2024. Rate is determined by manufacture year, length or term of the loan, and borrower's personal credit rating. Rates are 'as low as' and subject to change at any time. All rates reflect a 0.50% discount for Automatic Payment established.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 3.49% | Up to 40 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 41–52 months | 4.37% | 41-52 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 53–64 months | 4.74% | 53-64 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 65–76 months | 4.99% | 65-76 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
| 77–88 months | 5.74% | 77-88 months. Rates are listed as low as. Reflects a 0.50% discount for Automatic Payment established. |
Who can join First Choice 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
- Anyone who lives, works, volunteers, or attends church or school in Lawrence County is eligible to join.
Employers and groups
- Employees of participating Member Companies (Select Employee Groups / SEGs), including CSX Corporation (formerly B&O Railroad), are eligible to join.
Family and household
- Relatives of current First Choice Federal Credit Union members (including children and grandchildren living outside the area) are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $10 share deposit, which is free/refundable, subject to a $10.00 early close penalty if closed within six months.
Membership information collected October 5, 2026.