Credit union · NCUA insured
First Responders Credit Union Auto Loan Rates
First Responders Credit Union auto loans start at 4.35% APR for a new vehicle and 4.35% for a used one. Rates checked October 15, 2026.
How First Responders Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Responders Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Responders Credit Union
4.35%APR
- Terms
- —
Auto Loan Special
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
First Responders Credit Union auto loan score
91
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.35%
- Used vehicleUsed4.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Responders 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 Special
Rates as low as stated. Membership eligibility requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.35% | — |
Sources (1)
- firstresponderscu.org · captured Oct 5, 2026
Vehicle Loans
New and used car and motorcycle loans. Rate reflects a 0.50% discount for having a checking account, savings account, direct deposit from employer to checking or savings, and automatic loan payments. APR increases by 0.50% if direct deposit is discontinued. Rates may vary based on credit score. Terms available: 2025 - Newer up to 84 months; 2024 - Newer up to 72 months; 2022 - 2023 up to 60 months; 2021 - Older up to 48 months. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | As low as 4.49% APR. Reflects 0.50% relationship discount with checking, savings, direct deposit, and automatic loan payments. |
Sources (1)
- firstresponderscu.org/loans/consumer/auto-loans · captured Oct 5, 2026
Who can join First Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of Boston Firefighters Credit Union are eligible for membership.
- Labor Union employees and retirees thereof serving the first responder community in Massachusetts are eligible for membership.
Military, government and schools
- Employees and retirees of fire departments, law enforcement departments, and municipally operated EMS departments in Massachusetts are eligible for membership.
Family and household
- Family members of eligible persons (including spouses, domestic partners sharing the same household, children, parents, grandparents, grandchildren, siblings, aunts, uncles, cousins, nieces, and nephews by blood or marriage) are eligible for membership.
Membership information collected October 5, 2026.