Credit union · NCUA insured
First Financial Federal Credit Union Auto Loan Rates
First Financial Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% 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 Baltimore, MD, 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
5.24%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
Lowest rate
LM Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
POCU of Maryland
4.29%APR
- Terms
- up to 72 months
- Discount
- None included
First Financial Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
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
Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Motorcycles excluded. Currently not processing lease buyouts or private party transactions. Financing up to 135% loan-to-value.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | New Auto; monthly payment per $1,000 borrowed is $18.99 |
| up to 60 months | 5.49% | Used Auto; monthly payment per $1,000 borrowed is $19.10 |
| up to 72 months | 5.50% | New Auto; monthly payment per $1,000 borrowed is $16.34 |
| up to 72 months | 5.75% | Used Auto; monthly payment per $1,000 borrowed is $16.46 |
| up to 84 months | 6.24% | New Auto; monthly payment per $1,000 borrowed is $14.73 |
| up to 84 months | 6.49% | Used Auto; monthly payment per $1,000 borrowed is $14.85 |
Sources (2)
All captured Oct 4, 2026
Auto Loan Refinance
Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Used Auto Refinance; monthly payment per $1,000 borrowed is $19.10 |
| up to 72 months | 5.75% | Used Auto Refinance; monthly payment per $1,000 borrowed is $16.46 |
| up to 84 months | 6.49% | Used Auto Refinance; monthly payment per $1,000 borrowed is $14.85 |
Sources (1)
- firstfinancial.org/borrow/auto-loans · captured Oct 4, 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.
Employers and groups
- Employees of many area businesses and hospitals are eligible for membership.
Military, government and schools
- Employees, students, and parents of Baltimore, Carroll, Cecil, Accomack, Somerset, and Worcester County Public School systems, as well as employees of area private schools and colleges, are eligible for membership.
Family and household
- Families of employees of many area businesses, hospitals, private schools, and colleges are eligible for membership.
Membership information collected October 4, 2026.