Credit union · NCUA insured
First Commonwealth Federal Credit Union Auto Loan Rates
First Commonwealth Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 17, 2026.
How First Commonwealth Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where First Commonwealth Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Commonwealth Federal Credit Union
5.49%APR
- Terms
- 49–60 months
New Auto Loan
Lowest rate
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
2nd-lowest rate
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
First Commonwealth Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Commonwealth 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 Auto Loan
Credit union membership required. Subject to credit approval. Rates and APR(s) are dependent upon credit history, type of product, loan term, loan to value (LTV), mileage, and vehicle model year. Up to 125% Loan-to-Value Financing. First payment will be due no later than 60 days from loan closing date. No application fee; if approved, a Title Servicing Fee of $100 may apply.
| Terms | APR | Conditions |
|---|---|---|
| 3–36 months | 5.49% | Model Years 2025 - 2027 |
| 37–48 months | 5.49% | Model Years 2025 - 2027 |
| 49–60 months | 5.49% | Model Years 2025 - 2027 |
| 61–66 months | 5.74% | Model Years 2025 - 2027 |
| 67–75 months | 5.99% | Model Years 2025 - 2027 |
| 76–84 months | 6.24% | Model Years 2025 - 2027 |
New Motorcycle and Powersport Loans
Credit union membership required. Subject to credit approval. Rates and APR(s) are dependent upon credit history, type of product, loan term, loan to value (LTV), mileage, and vehicle model year. Certain year, mileage, and other restrictions may apply. Rates subject to change without notice. APR = Annual Percentage Rate. First payment will be due no later than 60 days from the loan closing date.
| Terms | APR | Conditions |
|---|---|---|
| 3–72 months | 6.74% | Model Years 2025 - 2027 |
| 73–84 months | 7.24% | Model Years 2025 - 2027 |
Sources (1)
- firstcomcu.org/rates/loans.html · captured Oct 6, 2026
Used Auto Loan
Credit union membership required. Subject to credit approval. Rates and APR(s) are dependent upon credit history, type of product, loan term, loan to value (LTV), mileage, and vehicle model year. Up to 125% Loan-to-Value Financing. First payment will be due no later than 60 days from loan closing date. No application fee; if approved, a Title Servicing Fee of $100 may apply.
| Terms | APR | Conditions |
|---|---|---|
| 3–36 months | 5.74% | Model Years 2022 - 2027 |
| 3–36 months | 6.24% | Model Years 2018 - 2021 |
| 3–36 months | 8.24% | Model Years 2017 & older |
| 37–48 months | 5.74% | Model Years 2022 - 2027 |
| 37–48 months | 6.24% | Model Years 2018 - 2021 |
| 37–48 months | 8.24% | Model Years 2017 & older |
| 49–60 months | 5.74% | Model Years 2022 - 2027 |
| 49–60 months | 6.24% | Model Years 2018 - 2021 |
| 49–60 months | 8.49% | Model Years 2017 & older |
| 61–66 months | 5.99% | Model Years 2022 - 2027 |
| 61–66 months | 6.49% | Model Years 2018 - 2021 |
| 67–75 months | 5.49% | Model Years 2022 - 2027 |
| 67–75 months | 5.99% | Model Years 2018 - 2021 |
| 76–84 months | 6.49% | Model Years 2022 - 2027 |
Who can join First Commonwealth 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
- Persons who live, work, worship, or attend school in designated service areas in parts of Pennsylvania and New Jersey are eligible for membership.
Employers and groups
- Employees of participating Employer Partners are eligible for membership.
Family and household
- Immediate family members of an employee of a participating Employer Partner are eligible for membership.
- Immediate family members of a current member are eligible for membership.
- Persons living in the same residence of an existing member and maintaining a single economic unit are eligible for membership.
Other ways
- Consumers who live in Pennsylvania or New Jersey and belong to or join the American Consumer Council (ACC) are eligible for membership.
Cost to join
- An initial $5 deposit into a savings account is required to establish membership.
Membership information collected October 5, 2026.