Credit union · NCUA insured
First Choice Financial Federal Credit Union Auto Loan Rates
Top CarrotFirst Choice Financial Federal Credit Union auto loans start at 4.60% APR for a new vehicle and 4.60% for a used one. Rates checked October 16, 2026.
How First Choice Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gloversville, NY, where First Choice Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Choice Financial Federal Credit Union
4.60%APR
- Terms
- up to 84 months
Auto Loans
First Choice Financial Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed4.60%
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 Financial 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
No pre-payment penalty fees. Extended terms up to 84 months. Requires full coverage insurance on financed vehicle until loan is paid off. Promotional offer: No Payments for 90 Days.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.60% | No Payments for 90 Days. Extended terms up to 84 months. |
| up to 72 months | 6.05% | Payment ex: $20,000 @ 6.05% APR for 6 years = $332.94 per month...Estimated payment without additional fees, options, etc. New or Used Auto Terms (2023 or Newer) greater than 5 years require loans amount/vehicle value of $20,000 or more. Used Auto Terms (2022 to Older) greater than 3 years require loans amount/vehicle value of $10,000 or more. |
Sources (3)
All captured Oct 5, 2026
Who can join First Choice Financial 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, attend school, or have a business in Fulton or Montgomery Counties, or the Towns of Arietta, Benson, Hope, Wells, Speculator, Lake Pleasant, or Indian Lake in Hamilton County.
Cost to join
- An initial share deposit of $5.00 or more is required to join.
Membership information collected October 5, 2026.