Credit union · NCUA insured
First Watch Credit Union Auto Loan Rates
Top CarrotFirst Watch Credit Union auto loans start at 4.29% APR for a new vehicle and 4.29% for a used one. Rates checked October 16, 2026.
How First Watch Credit Union’s auto loan rates compare
Compared with banks and credit unions near Abilene, TX, where First Watch Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Watch Credit Union
4.29%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
New Automobile Loans 2025-2024
Lowest rate
Abilene Teachers Federal Credit Union
4.15%APR
- Terms
- 1–84 months
- Up to
- 15.40% APR
- Discount
- Included in the rate
3rd-lowest rate
University Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
First Watch Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.29%
- Used vehicleUsed4.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Watch 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.
New Automobile Loans 2025-2024
Down payment as low as 0%. 100% financing available on terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.29%–17.99% | Model years 2025-2024. Down payment as low as 0%. |
Used Automobiles
Maximum loan amount is NADA Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.29%–17.99% | Model year 2026-2025. Maximum loan: NADA Value. |
| up to 78 months | 4.29%–17.99% | Model year 2024. Maximum loan: NADA Value. |
| up to 72 months | 4.29%–17.99% | Model year 2023. Maximum loan: NADA Value. |
| up to 66 months | 5.09%–17.99% | Model year 2022. Maximum loan: NADA Value. |
| up to 60 months | 5.09%–17.99% | Model year 2021. Maximum loan: NADA Value. |
| up to 54 months | 5.59%–17.99% | Model year 2020. Maximum loan: NADA Value. |
| up to 48 months | 5.59%–17.99% | Model year 2019. Maximum loan: NADA Value. |
| up to 42 months | 6.59%–17.99% | Model year 2018. Maximum loan: NADA Value. |
| up to 36 months | 6.59%–17.99% | Model year 2017. Maximum loan: NADA Value. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Oct 7, 2026
Who can join First Watch Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Taylor, Haskell, Jones, Shackelford, Stephens, Nolan, Callahan, Eastland, Runnels, Coleman, Brown, Comanche and Erath counties, Texas are eligible for membership.
Family and household
- Immediate family members (grandparent, parent, spouse, sibling, child, grandchild, adopted children, stepparents, stepchildren, and stepsiblings) of eligible persons or current members, as well as organizations of such persons, are eligible for membership.
- Household members of current members living in the same residence and maintaining a single economic unit are eligible for membership.
Other ways
- Members of record of First Watch Credit Union as of November 9, 2000 are eligible for membership.
- Spouses of persons who died while within the field of membership of First Watch Credit Union are eligible for membership.
Cost to join
- Opening a savings account and establishing membership requires a $26 deposit.
Membership information collected October 5, 2026.