Credit union · NCUA insured
FirstLight Federal Credit Union Auto Loan Rates
FirstLight Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How FirstLight Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near El Paso, TX, where FirstLight Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FirstLight Federal Credit Union
4.75%APR
- Terms
- 48–84 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
evolve Federal Credit Union
4.74%APR
- Terms
- 48–72 months
- Up to
- —
- Discount
- None included
FirstLight Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FirstLight 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.
Classic Vehicles
Membership eligibility applies. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.49%–17.99% | Up to 84 months; $7,500+ minimum loan amount. |
Sources (1)
- firstlightfcu.org/rates/loans-rates.html · captured Oct 16, 2026
Powersport and Motorcycle
Membership eligibility applies. Rates and terms are based on borrower's credit qualification. Discount granted for automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| 12–78 months | 7.05%–17.99% | 12–78 months. Discount granted for automatic payment. |
Sources (1)
- firstlightfcu.org/rates/loans-rates.html · captured Oct 16, 2026
Vehicle Loans
Membership eligibility applies. All loans subject to approval. Rates and terms based on vehicle year and borrower's credit qualification. Advertised rate includes discounts of 0.25% for Auto Pay. Refinance promotion offers 1.00% APR rate beat (floor rate 5.00%) and up to 90 days no payments (interest accrues); does not apply to existing FirstLight auto loans.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.75%–17.99% | Model Years 2025–Newer; 48–84 months. Advertised rate includes 0.25% Auto Pay discount. |
| 48–78 months | 5.50%–17.99% | Model Years 2021–22; 48–78 months. Advertised rate includes 0.25% Auto Pay discount. |
| 48–78 months | 6.50%–17.99% | Model Years 2007–2020; 48–78 months. Advertised rate includes 0.25% Auto Pay discount. |
Sources (2)
All captured Oct 16, 2026
Who can join FirstLight 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
- Eligibility is open to individuals who live, work, worship, or attend school in Dona Ana County.
- Eligibility is open to individuals who live, work, worship, or attend school in El Paso County.
Military, government and schools
- Eligibility is open to individuals stationed at Fort Bliss.
Family and household
- Eligibility is open to family members of an existing FirstLight member, defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relationships.
Cost to join
- A $5 share deposit is required for membership ownership.
Membership information collected October 5, 2026.