Bank · FDIC insured
First Federal Savings & Loan Association Auto Loan Rates
First Federal Savings & Loan Association auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 22, 2026.
How First Federal Savings & Loan Association’s auto loan rates compare
Compared with banks and credit unions near Portland, OR-WA, where First Federal Savings & Loan Association has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First Federal Savings & Loan Association
6.74%APR
- Terms
- up to 60 months
- Up to
- 7.74% APR
- Discount
- Included in the rate
Auto Loan - Model Years 2026-2024
Lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
First Federal Savings & Loan Association auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
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 Savings & Loan Association ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan - Model Years 2017 & Older
For purchases only. Includes a 0.25% discount for automatic payment from a First Federal deposit account (increase quoted rate by 0.25% if autopay is not selected or cancelled). Max LTV 70%. Vehicles with mileage over 120,000 or restructured titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.84%–9.84% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 8.84%, 700-739 at 9.34%, 660-699 at 9.84%). Monthly payments based on $15,000 loan. Max LTV 70%. |
Sources (1)
- firstfedweb.com/personal-loan-rates.html · captured Oct 3, 2026
Auto Loan - Model Years 2020-2018
For purchases only. Includes a 0.25% discount for automatic payment from a First Federal deposit account (increase quoted rate by 0.25% if autopay is not selected or cancelled). Max LTV 80%. Vehicles with mileage over 120,000 or restructured titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.34%–8.34% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 7.34%, 700-739 at 7.84%, 660-699 at 8.34%). Monthly payments based on $15,000 loan. Max LTV 80%. |
| up to 48 months | 7.49%–8.49% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 7.49%, 700-739 at 7.99%, 660-699 at 8.49%). Monthly payments based on $15,000 loan. Max LTV 80%. |
| up to 60 months | 7.74%–8.74% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 7.74%, 700-739 at 8.24%, 660-699 at 8.74%). Monthly payments based on $15,000 loan. Max LTV 80%. |
Sources (1)
- firstfedweb.com/personal-loan-rates.html · captured Oct 3, 2026
Auto Loan - Model Years 2023-2021
For purchases only. Includes a 0.25% discount for automatic payment from a First Federal deposit account (increase quoted rate by 0.25% if autopay is not selected or cancelled). Max LTV 100%. Vehicles with mileage over 120,000 or restructured titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.84%–7.84% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.84%, 700-739 at 7.34%, 660-699 at 7.84%). Monthly payments based on $15,000 loan. Max LTV 100%. |
| up to 48 months | 6.99%–7.99% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.99%, 700-739 at 7.49%, 660-699 at 7.99%). Monthly payments based on $15,000 loan. Max LTV 100%. |
| up to 60 months | 7.24%–8.24% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 7.24%, 700-739 at 7.74%, 660-699 at 8.24%). Monthly payments based on $15,000 loan. Max LTV 100%. |
Sources (1)
- firstfedweb.com/personal-loan-rates.html · captured Oct 3, 2026
Auto Loan - Model Years 2026-2024
For purchases only. Includes a 0.25% discount for automatic payment from a First Federal deposit account (increase quoted rate by 0.25% if autopay is not selected or cancelled). Max LTV 100%. Vehicles with mileage over 120,000 or restructured titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.34%–7.34% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.34%, 700-739 at 6.84%, 660-699 at 7.34%). Monthly payments based on $15,000 loan. Max LTV 100%. |
| up to 48 months | 6.49%–7.49% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.49%, 700-739 at 6.99%, 660-699 at 7.49%). Monthly payments based on $15,000 loan. Max LTV 100%. |
| up to 60 months | 6.74%–7.74% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.74%, 700-739 at 7.24%, 660-699 at 7.74%). Monthly payments based on $15,000 loan. Max LTV 100%. |
| up to 72 months | 7.14%–8.14% | Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 7.14%, 700-739 at 7.64%, 660-699 at 8.14%). Monthly payments based on $15,000 loan. Max LTV 100%. |
Sources (1)
- firstfedweb.com/personal-loan-rates.html · captured Oct 3, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.