Credit union · NCUA insured
First Citizens Federal Credit Union Auto Loan Rates
First Citizens Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How First Citizens Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where First Citizens Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Citizens Federal Credit Union
5.00%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
First Citizens Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Citizens 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 for vehicles less than 9 years old. Loan amounts range from $5,000 to $80,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Financing for vehicles less than 9 years old. Payment per thousand is $29.88. |
| up to 48 months | 5.00% | Financing for vehicles less than 9 years old. Payment per thousand is $23.04. |
| up to 60 months | 5.00% | Financing for vehicles less than 9 years old. Payment per thousand is $18.88. |
| up to 72 months | 5.00% | Financing for vehicles less than 9 years old. Payment per thousand is $16.11. |
| up to 84 months | 5.00% | Financing for vehicles less than 9 years old. Payment per thousand is $14.14. |
Sources (1)
- firstcitizens.org/rates · captured Oct 7, 2026
Who can join First Citizens Federal Credit Union
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