Credit union · NCUA insured
First Credit Union Auto Loan Rates
First Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Credit Union
5.24%APR
- Terms
- up to 63 months
New Auto Loans
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
First Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 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 Loans
Lowest rates based on MSRP; model year 2025 or newer; 730+ credit score, max all-in loan-to-value (LTV) is 140%.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.24% | — |
| 64–75 months | 6.04% | — |
| 76–84 months | 6.39% | — |
Sources (3)
All captured Oct 3, 2026
Private Party Auto Loans
Lowest rates based on Kelley retail; model years 2016 – 2024; less than 100,000 miles; 730+ credit score, and max all-in loan-to-value (LTV) is 140%.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | — |
| 64–75 months | 6.29% | — |
| 76–84 months | 6.64% | — |
Sources (3)
- firstcu.net/borrow/auto-loans
- firstcu.net/borrow/auto-loans/private-party-auto-loans
- firstcu.net/rates
All captured Oct 3, 2026
Refinance Your Ride
Lowest rates based on Kelley retail; model years 2016 – 2024; less than 100,000 miles; 730+ credit score, and max all-in loan-to-value (LTV) is 140%.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | — |
| 64–75 months | 6.29% | — |
| 76–84 months | 6.64% | — |
Sources (3)
All captured Oct 3, 2026
Used Auto Loans
Lowest rates based on Kelley retail; model years 2016 – 2024; less than 100,000 miles; 730+ credit score, max all-in loan-to-value (LTV) is 140%.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | — |
| 64–75 months | 6.29% | — |
| 76–84 months | 6.64% | — |
Sources (3)
All captured Oct 3, 2026
Who can join First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.