Credit union · NCUA insured
FirstEnergy Choice FCU Auto Loan Rates
Top CarrotFirstEnergy Choice FCU auto loans start at 1.99% APR for a new vehicle and 1.99% for a used one. Rates checked October 16, 2026.
How FirstEnergy Choice FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where FirstEnergy Choice FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Car/Truck
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
3rd-lowest rate
Pittsburgh City Hall Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
FirstEnergy Choice FCU auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew1.99%
- Used vehicleUsed1.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FirstEnergy Choice FCU 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.
Car/Truck
Never Titled: Loan amount up to 100% of Market Value. Previously Titled: Loan amount up to 100% of NADA Retail Value. Rates reflect 0.50% APR reduction for direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 1.99% | Model Year 2013 and newer. Term up to 3 years. Reflects 0.50% APR discount for direct deposit payment. |
| 37–72 months | 1.99% | Model Year 2019 and newer. Term over 3 years, up to 6 years. Reflects 0.50% APR discount for direct deposit payment. |
| 37–60 months | 1.99% | Model Year 2018. Term over 3 years, up to 5 years. Reflects 0.50% APR discount for direct deposit payment. |
| 37–48 months | 1.99% | Model Year 2017. Term over 3 years, up to 4 years. Reflects 0.50% APR discount for direct deposit payment. |
Sources (1)
- fechoice.com/loan-rates-2 · captured Oct 6, 2026
Car/Truck Swap & Rate Drop
Refinance offer available now through 12/31/2026.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | Promotional rate through 12/31/2026. See Page 1 of the 4th Quarter 2026 Newsletter for more details. |
Collectible/Luxury
Loan amount up to 100% of 'good' market value as listed in Black Book CPI publication. Rate reflects 0.50% APR reduction for direct deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.99% | Up to 5 years. Reflects 0.50% APR discount for direct deposit payment. |
Sources (1)
- fechoice.com/loan-rates-2 · captured Oct 6, 2026
Who can join FirstEnergy Choice FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of FirstEnergy Corp. are eligible for membership.
- Retirees of Allegheny Energy, Inc. are eligible for membership.
- Retirees of FirstEnergy Corp. are eligible for membership.
Family and household
- Immediate family members of a FirstEnergy Corp. employee are eligible for membership.
- Family members of an existing FirstEnergy Choice Federal Credit Union member are eligible for membership.
- Family members of Allegheny Energy, Inc. retirees are eligible for membership.
1 more way to join
Family and household
- Family members of FirstEnergy Corp. retirees are eligible for membership.
Membership information collected October 5, 2026.