Credit union · NCUA insured
First Tech Federal Credit Union Auto Loan Rates
First Tech Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How First Tech Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Tech Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
New Auto Loan - 2025 and Newer Models
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 Tech Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Tech 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 Refinancing
Refinancing for auto loans from another lender. No application, origination, or pre-payment penalty fees. Membership required and subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as 4.99% APR. |
Sources (3)
- firsttechfed.com/borrow/auto-loans
- firsttechfed.com/borrow/auto-loans-2
- firsttechfed.com/borrow/auto-loans/auto-refinance
All captured Oct 16, 2026
New Auto Loan - 2025 and Newer Models
For previous model year and newer cars (2025 and newer models). Fixed-rate, fixed-term loan. No origination, application, or pre-payment penalty fees. Option to defer first payment for up to 90 days. Membership required and subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 65 months | 4.99% | Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000. |
| up to 72 months | 5.49% | Rate as low as 5.49% APR for 72 months term with loan amount $5,000 to $300,000. |
| up to 84 months | 6.99% | Rate as low as 6.99% APR for 84 months term with loan amount $20,000 to $300,000. |
Sources (3)
- firsttechfed.com/rates/loans
- firsttechfed.com/borrow/auto-loans
- firsttechfed.com/borrow/auto-loans/new-auto-loans
All captured Oct 16, 2026
New Motorcycle / Scooter Loan (0-1 model years)
For new motorcycles and scooters (0-1 model years). Fixed-term loan for 60 months. Credit Union membership required and subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.74% | Rate as low as 6.74% APR for 60 months term with loan amount $1,500 to $100,000. |
Sources (1)
- firsttechfed.com/rates/loans · captured Oct 16, 2026
Used Auto Loan - 2016-2024 Models
For used cars from model years 2016–2024 (2 to 10 model years old). Fixed-rate, fixed-term loan. No origination, application, or pre-payment penalty fees. Option to defer first payment for up to 90 days. Membership required and subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 65 months | 4.99% | Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000. |
| up to 72 months | 5.49% | Rate as low as 5.49% APR for 72 months term with loan amount $5,000 to $300,000. |
| up to 84 months | 6.99% | Rate as low as 6.99% APR for 84 months term with loan amount $20,000 to $300,000. |
Sources (3)
- firsttechfed.com/rates/loans
- firsttechfed.com/borrow/auto-loans
- firsttechfed.com/borrow/auto-loans/used-auto-loans
All captured Oct 16, 2026
Used Motorcycle Loan (2-5 model years)
For used motorcycles (2-5 model years). Fixed-term loan for 60 months. Credit Union membership required and subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.24% | Rate as low as 7.24% APR for 60 months term with loan amount $1,500 to $100,000. |
Sources (1)
- firsttechfed.com/rates/loans · captured Oct 16, 2026
Who can join First Tech 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
- Membership is open to individuals who live, work, or worship in a participating community.
Employers and groups
- Membership is open to individuals who belong to a participating organization, which can be joined at a branch location or within the online application.
- Membership is open to individuals who work for one of over 1,700 partner companies (such as Amazon, Microsoft, or Intel).
Military, government and schools
- Membership is open to individuals who work for the State of Oregon.
Family and household
- Membership is open to individuals who have a family or household member who is already a First Tech member.
Other ways
- Membership is open to individuals who live in a participating condominium association.
Membership information collected October 5, 2026.