Credit union · NCUA insured
Freedom First Auto Loan Rates
Freedom First auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Freedom First’s auto loan rates compare
Compared with banks and credit unions near Roanoke, VA, where Freedom First has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Freedom First
5.99%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
Kemba Roanoke FCU
4.24%APR
- Terms
- —
2nd-lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
Freedom First auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom First 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 Loans
Must live, work, or attend school in eligible areas of Virginia and meet membership eligibility. Model years and mileage limits may apply. All rates are fixed unless otherwise indicated. Subject to credit approval. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.99% | APR varies depending upon credit qualifications and selected terms. Up to 84 months to repay. On qualifying direct auto loans or external refinances, payments may be deferred for 90 days from closing (interest accrues during deferral). Offer valid on auto loans not currently financed with Freedom First. |
Who can join Freedom First
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person, business, or legal entity who lives, works (or regularly conducts business in), worships, or attends school in Freedom First's service area is eligible for membership.
Membership information collected October 4, 2026.