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Credit union · NCUA insured

First Point Federal Credit Union Auto Loan Rates

First Point Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.

How First Point Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near New York, NY-NJ, where First Point Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    First Point Federal Credit Union

    4.99%APR

    Terms
    up to 60 months
    Discount
    None included

    New Auto Loan

  • Lowest rate

    Westchester Schools FCU

    2.90%APR

    Terms
    up to 72 months
    Discount
    None included

    Westchester Schools FCU rates

  • 2nd-lowest rate

    PSFCU

    3.50%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    PSFCU rates

Compare auto loan rates near you →

First Point Federal Credit Union auto loan score

78

Auto loan score

Higher than 47% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.99%
  • Used vehicleUsed5.99%

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 Point 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.

Who can join First Point Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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