First Financial Credit Union Auto Loan Rates

How First Financial Credit Union’s auto loan rates compare

Compared with banks and credit unions near Albuquerque, NM, where First Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
First Financial Credit Union
5.49%APR
Terms
up to 60 months
New & Used Vehicles (Up to 5 Years Old)
Lowest rate
State Employees Credit Union
2.99%APR
Terms
up to 75 months
State Employees Credit Union rates
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
Terms
37–60 months
Navy Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 24% of U.S. banks and credit unions

By vehicle

New vehicleNew5.49%
Used vehicleUsed6.09%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where First Financial Credit Union ranks

By auto loan score, in each area where it has branches

And 2 more areas →

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.

First Time Auto Buyer

Maximum loan amount $20,000. Maximum term 75 months. Rates assume excellent borrower credit history. Actual APR determined at disbursement based on application and credit information. Approximate monthly payment calculation based on $20,000 auto loan.

Terms	APR	Conditions
up to 75 months	16.99%	Maximum term 75 months, maximum balance $20,000; approximate monthly payment $434.82.

Sources (1)

ffnm.org/services-tools/tools/rates.html · captured Oct 3, 2026

New & Used Vehicles (Up to 5 Years Old)

Rates assume excellent borrower credit history. Actual APR determined at disbursement based on application and credit information. Maximum terms available to qualified borrowers. Payment estimates based on a $20,000 auto loan.

Terms	APR	Conditions
up to 36 months	3.99%	Maximum term 36 months; estimated monthly payment $591.00 on $20,000 loan.
up to 48 months	5.09%	Maximum term 48 months; estimated monthly payment $462.00 on $20,000 loan.
up to 60 months	5.49%	Maximum term 60 months; estimated monthly payment $382.00 on $20,000 loan.
up to 66 months	5.69%	Maximum term 66 months; estimated monthly payment $354.00 on $20,000 loan.
up to 75 months	5.79%	Maximum term 75 months; estimated monthly payment $319.00 on $20,000 loan.
up to 84 months	5.99%	Requires $25,000 minimum loan amount; maximum term 84 months; estimated monthly payment $366.00.

Sources (1)

ffnm.org/services-tools/tools/rates.html · captured Oct 3, 2026

New Motorcycles

Terms	APR	Conditions
up to 75 months	7.99%	Maximum term 75 months; approximate monthly payment $339.85 based on $20,000 loan.

Sources (1)

ffnm.org/services-tools/tools/rates.html · captured Oct 3, 2026

Used Motorcycles

Terms	APR	Conditions
up to 60 months	9.99%	Maximum term 60 months; approximate monthly payment $425.52 based on $20,000 loan.

Sources (1)

ffnm.org/services-tools/tools/rates.html · captured Oct 3, 2026

Used Vehicles (5-7 Years Old)

For vehicles 5-7 years old (call for rates on vehicles 7+ years old). Rates assume excellent borrower credit history. Actual APR determined at disbursement based on application and credit information. Maximum terms available to qualified borrowers. Payment estimates based on a $20,000 auto loan.

Terms	APR	Conditions
up to 36 months	5.69%	Maximum term 36 months; estimated monthly payment $606.00 on $20,000 loan.
37–48 months	5.99%	Term 37 to 48 months; estimated monthly payment $470.00 on $20,000 loan.
49–60 months	6.09%	Term 49 to 60 months; estimated monthly payment $388.00 on $20,000 loan.
61–66 months	6.09%	Term 61 to 66 months; estimated monthly payment $358.00 on $20,000 loan.
67–75 months	6.59%	Term 67 to 75 months; estimated monthly payment $327.00 on $20,000 loan.