Credit union · NCUA insured
First Federal Credit Union. Auto Loan Rates
First Federal Credit Union. auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How First Federal Credit Union.’s auto loan rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where First Federal Credit Union. has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Federal Credit Union.
5.59%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
New Vehicles
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
AIM Credit Union
4.54%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Federal Credit Union. auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First 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
Loan rates listed show the best rate and apply to borrowers with an excellent credit rating. Rate varies based on personal credit history, equity, and term. Loan rates include a discount of 0.50% APR for enrollment of direct deposit and automatic loan payments from a First Federal Credit Union checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.59% | Model Year: New. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 5.59% | Model Year: New. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 84 months | 5.69% | Model Year: New. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
Sources (2)
All captured Oct 7, 2026
Used Vehicles
Loan rates listed show the best rate and apply to borrowers with an excellent credit rating. Rate varies based on personal credit history, equity, and term. Loan rates include a discount of 0.50% APR for enrollment of direct deposit and automatic loan payments from a First Federal Credit Union checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.59% | Model Year: 2025. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 5.59% | Model Year: 2025. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 84 months | 5.69% | Model Year: 2025. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 66 months | 5.79% | Model Year: 2023. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 5.89% | Model Year: 2023. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 84 months | 5.99% | Model Year: 2023. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 66 months | 5.89% | Model Year: 2022. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 84 months | 6.09% | Model Year: 2022. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 48 months | 5.89% | Model Year: 2021. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 6.09% | Model Year: 2021. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 48 months | 6.49% | Model Year: 2020. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 66 months | 6.49% | Model Year: 2020. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 6.59% | Model Year: 2020. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 48 months | 6.39% | Model Year: 2019. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 66 months | 6.39% | Model Year: 2019. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 72 months | 6.49% | Model Year: 2019. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 60 months | 6.59% | Model Year: 2018. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 48 months | 6.59% | Model Year: 2017. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 60 months | 6.69% | Model Year: 2017. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
| up to 36 months | 8.94% | Model Year: 2016 & Older. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account. |
Sources (2)
All captured Oct 7, 2026
Who can join First Federal Credit Union.
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.