Credit union · NCUA insured
First Source Federal Credit Union Auto Loan Rates
Top CarrotFirst Source Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 5.24% for a used one. Rates checked October 7, 2026.
How First Source Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where First Source Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Source Federal Credit Union
4.49%APR
- Terms
- up to 60 months
New Car Loan
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
First Source Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Source 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.
Mechanical Breakdown Protection Loan
Loan must be used for warranty coverage or other vehicle protection product. Rates and terms determined by overall credit history and subject to change without notice. Applications subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.74% | as low as 4.74% for up to 96 months. Monthly payments for a 5 year mechanical breakdown protection loan at 4.74% would be $18.75 per $1,000 borrowed. |
Sources (1)
- fsource.org/rates · captured Oct 7, 2026
New Car Loan
Effective October 7, 2026. Rates determined by overall credit history. Membership and credit requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.24% | 510 as 4.24% for terms 12 through 48 months |
| up to 60 months | 4.49% | as low as 4.49% for 60-month term |
| up to 72 months | 4.99% | as low as 4.99% for 72-month term |
| up to 84 months | 5.49% | as low as 5.49% for 84-month term |
| up to 96 months | 6.99% | as low as 6.99% for 96-month term |
| up to 108 months | 7.99% | as low as 7.99% for 108-month term |
Sources (4)
- fsource.org/car-loans/overview
- fsource.org/car-loans/new-car
- fsource.org/rates
- fsource.org/youth-accounts/teen-car-loan
All captured Oct 7, 2026
Older Vehicle Loan
Rates and terms determined by overall credit history and subject to credit approval and change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 7.49% | — |
| up to 24 months | 7.49% | — |
| up to 36 months | 7.49% | — |
| up to 48 months | 7.49% | — |
| up to 60 months | 7.74% | Monthly payments for a 5 year older vehicle loan at 7.74% would be $20.16 per $1,000 borrowed. |
| up to 72 months | 8.24% | — |
Sources (1)
- fsource.org/rates · captured Oct 7, 2026
Teen Car Loan
Effective October 7, 2026. Borrowers must be 16 years old and have an adult co-borrower. Rates determined by overall credit history.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.24% | as low as 4.24% for terms 12 through 48 months |
| up to 60 months | 4.49% | as low as 4.49% for 60-month term |
| up to 72 months | 4.99% | as low as 4.99% for 72-month term |
| up to 84 months | 5.49% | as low as 5.49% for 84-month term |
| up to 96 months | 6.99% | as low as 6.99% for 96-month term |
| up to 108 months | 7.99% | as low as 7.99% for 108-month term |
| 12–48 months | 7.49% | as low as 7.49% for terms 12 through 48 months |
| up to 60 months | 7.74% | as low as 7.74% for 60-month term |
| up to 72 months | 8.24% | as low as 8.24% for 72-month term |
| 12–48 months | 4.99% | as low as 4.99% for terms 12 through 48 months |
| up to 60 months | 5.24% | as low as 5.24% for 60-month term |
| up to 72 months | 5.74% | as low as 5.74% for 72-month term |
| up to 84 months | 6.24% | as low as 6.24% for 84-month term |
Sources (1)
- fsource.org/youth-accounts/teen-car-loan · captured Oct 7, 2026
Used Car Loan
Effective October 7, 2026. Rates determined by overall credit history. Membership and credit requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.99% | as low as 4.99% for terms 12 through 48 months |
| up to 60 months | 5.24% | as low as 5.24% for 60-month term |
| up to 72 months | 5.74% | as low as 5.74% for 72-month term |
| up to 84 months | 6.24% | as low as 6.24% for 84-month term |
Sources (4)
- fsource.org/car-loans/used-car
- fsource.org/car-loans/overview
- fsource.org/rates
- fsource.org/youth-accounts/teen-car-loan
All captured Oct 7, 2026
Who can join First Source 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
- Individuals who live, work, worship, or attend school in designated underserved census tract codes in Utica, Rome, and Herkimer, NY are eligible for membership.
Employers and groups
- Members, employees, retirees, volunteers, or students of participating Select Employee Groups (SEGs) and Associations are eligible for membership.
Family and household
- Individuals related through immediate family members or household relationships qualify for membership.
Other ways
- Members of the American Consumer Council (ACC), a national association supporting financial literacy, qualify for membership.
Membership information collected October 5, 2026.