Credit union · NCUA insured
First Financial Credit Union Auto Loan Rates
First Financial Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How First Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where First Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Financial Credit Union
5.09%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
First Financial Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Financial 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.
Auto Loans
Up to 125% financing, including tax & license (total financing based on year of vehicle). Rates based on credit history, collateral criteria, and term of loan. Disclosed rate requires automatic payments from an FFCU account and 2 qualifying relationships.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.09% | Rate for new and used auto loans up to 60 months; requires automatic payments from an FFCU account and 2 qualifying relationships. Estimated payment of $18.92 per $1,000 borrowed for 60 months. |
Motorcycles
Includes Motor Scooters. All loans are subject to credit approval and FFCU policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.24% | 9.24% APR is for new and used Motorcycle Products up to 60 months. Representative example: 60 monthly payments of $20.88 per $1,000 borrowed at 9.24% APR. Maximum term stated in table is up to 72 months. |
Sources (1)
- ffcu.org/rates · captured Oct 16, 2026
Who can join First Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of designated select employer groups and partner organizations are eligible for membership.
Military, government and schools
- Active and retired members of the Congress of Faculty Associations (CFA), members in good standing of CTA, or other organizations affiliated with CTA in California are eligible for membership.
- Employees of CTA, affiliated teacher organizations, or chapters of the CTA are eligible for membership.
- Active and retired members of the California Teachers Association (CTA), its subsidiaries, chapters, or affiliated teacher organizations are eligible for membership.
- Employees or members of Association of California School Administrators (ACSA), California College Association (CCA), California Retired Teachers Association (CRTA), California School Employees Association (CSEA), California Teachers Association (CTA), or United Teachers Los Angeles (UTLA) are eligible for membership.
Family and household
- Immediate family members/relatives of existing members (including siblings, parents, grandparents, spouse, children, grandchildren, first or second cousin, aunt, uncle, stepparent, stepchild, and any adopted relationship) are eligible for membership.
Membership information collected October 5, 2026.