Credit union · NCUA insured
First Harvest Credit Union Auto Loan Rates
Top CarrotFirst Harvest Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How First Harvest Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where First Harvest Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Harvest Credit Union
4.99%APR
- Terms
- 36–60 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loan
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
First Harvest Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 Harvest 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.
Motorcycle Loans
Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account; APR will increase by .25% without Automatic Payment. Maximum loan amount is $100,000. Loans are available for vehicles purchased from licensed dealerships only; no Private Sale purchases. ATVs and UTVs are not eligible for financing. Evaluation of applicant credit, loan term, collateral mileage, model year, and LTV determines rate and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Reflects a .25% rate reduction for Automatic Payments from a First Harvest Checking Account; APR will increase by .25% without Automatic Payment. |
| up to 72 months | 6.49% | Minimum loan amount $25,000. Reflects a .25% rate reduction for Automatic Payments from a First Harvest Checking Account; APR will increase by .25% without Automatic Payment. |
Sources (1)
- firstharvestcu.com/personal/borrow/auto-loans · captured Oct 15, 2026
New Auto Loan
Available for 2025-2027 automobile model years with less than 20,000 miles. Maximum loan amount is $100,000. Purchases from licensed dealerships only; no private sales. Financing up to 125% LTV. Rates reflect a 0.25% reduction for automatic payments from a First Harvest Checking Account (APR increases by 0.25% without automatic payment). Membership restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.99% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 72 months | 5.49% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 84 months | 5.99% | Minimum loan amount $25,000. Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 96 months | 6.99% | Minimum loan amount $50,000. Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
Sources (1)
- firstharvestcu.com/personal/borrow/auto-loans · captured Oct 15, 2026
Used Auto Loan (2016-2020 / 2017-2020)
Available for used automobile model years 2017–2020 (table header lists 2016–2020). Maximum age for purchases is 10 model years (currently 2017) and maximum for refinance is 7 model years (currently 2020). Maximum loan amount is $100,000. Dealership purchases only; no private sales. Financing up to 125% LTV. Rates reflect a 0.25% reduction for automatic payments from a First Harvest Checking Account.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 5.99% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 72 months | 6.49% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 84 months | 6.99% | Minimum loan amount $25,000. Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
Sources (1)
- firstharvestcu.com/personal/borrow/auto-loans · captured Sep 19, 2026
Used Auto Loan (2021-2026)
Available for used automobile model years 2024–2026 with more than 20,000 miles and model years 2021–2023. Maximum age for purchases is 10 model years (currently 2017) and maximum for refinance is 7 model years (currently 2020). Maximum loan amount is $100,000. Dealership purchases only; no private sales. Financing up to 125% LTV. Rates reflect a 0.25% reduction for automatic payments from a First Harvest Checking Account.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 5.49% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 72 months | 5.99% | Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
| up to 84 months | 6.49% | Minimum loan amount $25,000. Includes 0.25% rate reduction for automatic payment from a First Harvest Checking Account. |
Sources (1)
- firstharvestcu.com/personal/borrow/auto-loans · captured Sep 19, 2026
Who can join First Harvest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and affiliates of partner Select Employer Groups (SEGs) and local partner organizations across Southern New Jersey are eligible for membership.
Membership information collected October 5, 2026.