Credit union · NCUA insured
First Financial Federal Credit Union Auto Loan Rates
First Financial Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How First Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Financial Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New & Used Auto Loans - Model Year 2022 and Newer
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Financial Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Financial 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.
Auto Loan Refinance
Refinance option to lower payments/rates. Current loans financed with First Financial FCU are not eligible. Repayment terms 36 to 84 months, APRs range from 4.49% to 18%. Minimum loan amount $10,000. Membership required ($5 Base Savings deposit).
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.49%–18.00% | Repayment terms range from 36 to 84 months. Actual rate varies based on creditworthiness and term. |
Sources (2)
All captured Oct 7, 2026
Cash Out Auto Loan
Cash out refinance using vehicle equity for lump sum payment. No closing costs, no pre-payment penalties. Repayment terms 36 to 84 months, APRs 4.49% to 18%. Minimum loan amount $10,000. Membership required ($5 Base Savings deposit). Current loans financed with First Financial FCU are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.49%–18.00% | Repayment terms range from 36 to 84 months. No closing costs, no pre-payment penalties. Actual rate varies based on creditworthiness and term. |
Sources (3)
- firstffcu.com/personal-accounts/auto-loans
- firstffcu.com/personal-accounts/loan-source
- firstffcu.com/personal-accounts/money-saving-auto-loan
All captured Oct 7, 2026
Lease Buyout Loan
Lease buyout program to purchase leased vehicle. Repayment terms 36 to 84 months, APRs 4.49% to 18%. Minimum loan amount $10,000. Membership required ($5 Base Savings deposit; live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties).
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.49%–18.00% | Repayment terms range from 36 to 84 months. Actual rate varies based on creditworthiness and term. |
Motorcycle Loans
Motorcycle Loans. A First Financial membership is required ($5 deposit in Base Savings Account; available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties, NJ). Subject to credit approval. Actual APR may vary based on borrower credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Rate as low as. Lowest possible rate; higher rates may apply depending on credit qualifications. |
| up to 72 months | 6.25% | Rate as low as. Lowest possible rate; higher rates may apply depending on credit qualifications. |
Sources (1)
- firstffcu.com/rates · captured Oct 7, 2026
New & Used Auto Loans
A First Financial membership is required to obtain an Auto Loan ($5 deposit in Base Savings Account; available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties, NJ). Subject to credit approval. Actual rate may vary based on creditworthiness and term. Terms up to 84 months based on vehicle model year. Minimum loan amount is $10,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Model Year 2021 and 2020; Up to 120,000 miles. Rate as low as. |
| up to 48 months | 5.24% | Model Year 2021 and 2020; Up to 120,000 miles. Rate as low as. |
| up to 60 months | 5.49% | Model Year 2021 and 2020; Up to 120,000 miles. Rate as low as. |
| up to 72 months | 5.99% | Model Year 2021 and 2020; Up to 120,000 miles. Rate as low as. |
| up to 36 months | 5.74% | Model Year 2019 and Older; Up to 120,000 miles. Rate as low as. |
| up to 48 months | 5.99% | Model Year 2019 and Older; Up to 120,000 miles. Rate as low as. |
| up to 60 months | 6.74% | Model Year 2019 and Older; Up to 120,000 miles. Rate as low as. |
| up to 72 months | 6.99% | Model Year 2019 and Older; Up to 120,000 miles. Rate as low as. |
Sources (4)
- firstffcu.com
- firstffcu.com/personal-accounts/auto-loans
- firstffcu.com/personal-accounts/money-saving-auto-loan
- firstffcu.com/rates
All captured Oct 7, 2026
New & Used Auto Loans - Model Year 2022 and Newer
A First Financial membership is required to obtain an Auto Loan ($5 deposit in Base Savings Account; available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties, NJ). Subject to credit approval. Actual rate may vary based on creditworthiness and term. Model Year 2022 and Newer; Less than 75,000 miles. Minimum loan amount is $10,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as. |
| up to 48 months | 4.74% | Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as. |
| up to 60 months | 4.99% | Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as. |
| up to 72 months | 5.49% | Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as. |
| up to 84 months | 5.99% | Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as. |
Sources (4)
- firstffcu.com
- firstffcu.com/personal-accounts/auto-loans
- firstffcu.com/personal-accounts/money-saving-auto-loan
- firstffcu.com/rates
All captured Oct 7, 2026
Who can join First Financial 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 anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.
Cost to join
- A minimum deposit of $5 in a base savings account is required.
Membership information collected October 5, 2026.