Credit union · NCUA insured
First Education Federal Credit Union Auto Loan Rates
Top CarrotFirst Education Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How First Education Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cheyenne, WY, where First Education Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Education Federal Credit Union
4.49%APR
- Terms
- 48–84 months
- Up to
- 15.49% APR
- Discount
- None included
New Vehicles
2nd-lowest rate
Meridian Trust Federal Credit Union
4.74%APR
- Terms
- up to 96 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Blue Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
First Education Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Education 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 Vehicles
Most loans qualify for a relationship discount: If you have an active checking account or active credit card with First Education or have your loan paid automatically, you may qualify for a 0.50% APR discount. Your credit rating, collateral value, and loan term are used to determine your final rate. The longest term does not always qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.49%–15.49% | May qualify for a 0.50% APR relationship discount with an active checking account, active credit card, or automatic loan payments. Your credit rating, collateral value, and loan term are used to determine your final rate. The longest term does not always qualify for the lowest rate. |
Sources (1)
- firstedfcu.com/borrow/current-rates-loans · captured Oct 15, 2026
Used Vehicles
Most loans qualify for a relationship discount: If you have an active checking account or active credit card with First Education or have your loan paid automatically, you may qualify for a 0.50% APR discount. Your credit rating, collateral value, and loan term are used to determine your final rate. The longest term does not always qualify for the lowest rate.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.99%–16.90% | May qualify for a 0.50% APR relationship discount with an active checking account, active credit card, or automatic loan payments. Your credit rating, collateral value, and loan term are used to determine your final rate. The longest term does not always qualify for the lowest rate. |
Sources (1)
- firstedfcu.com/borrow/current-rates-loans · captured Oct 15, 2026
Who can join First Education 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
- Membership is open to everyone who lives, works, goes to school, or worships in Laramie County, WY.
Family and household
- Membership is open to individuals who have family members who live, work, go to school, or worship in Laramie County, WY.
Cost to join
- Opening an account requires an initial deposit of at least $5 and an ID.
Membership information collected October 4, 2026.