Bank · FDIC insured
First United Bank & Trust Auto Loan Rates
First United Bank & Trust auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 22, 2026.
How First United Bank & Trust’s auto loan rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where First United Bank & Trust has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First United Bank & Trust
6.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
Bulldog Federal Credit Union
4.00%APR
- Terms
- 49–84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Eastern Panhandle Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- 11.24% APR
- Discount
- None included
First United Bank & Trust auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First United Bank & Trust ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Rates as low as include a 0.25% discount for Auto-Drafting loan payments from a First United account. All loans subject to credit approval. Model year must be 8 years or newer. Loan amount must be over $20,000 for a term greater than 60 months. Specific terms apply for Motor Homes, Campers and Boats. Purchase or refinance.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.74% | Minimum loan amount $2,000. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 72 Months. |
| up to 84 months | 7.24% | Minimum loan amount $20,000. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 84 Months. |
| up to 120 months | 8.74% | Minimum loan amount $50,000. 120 month term available only for Motor Homes, Campers and Boats (3 years old or newer). Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 120 Months. |
| up to 180 months | 9.74% | Minimum loan amount $100,000. 180 month term available only for units within last 3 model years. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 180 Months. |
Sources (2)
All captured Oct 4, 2026
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