Credit union · NCUA insured
Fremont Federal Credit Union Auto Loan Rates
Top CarrotFremont Federal Credit Union auto loans start at 5.04% APR for a new vehicle and 5.04% for a used one. Rates checked October 16, 2026.
How Fremont Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fremont, OH, where Fremont Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fremont Federal Credit Union
5.04%APR
- Terms
- up to 60 months
New & Used Auto Loan
Lowest rate
Impact Credit Union
4.99%APR
- Terms
- up to 72 months
3rd-lowest rate
GenoaBank
6.92%APR
- Terms
- up to 60 months
Fremont Federal Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.04%
- Used vehicleUsed5.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fremont 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.
Auto Loan Refinance
Membership eligibility and credit approval required. Rates and APR are based on credit score (730+ for sample rate) and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.71% | APR is based on a loan amount of $25,000, a rate of 4.25%, and 36 monthly payments of $747.81 for borrowers with a 730+ credit score. |
Sources (2)
All captured Oct 6, 2026
Motorcycle Loan
Rates and terms subject to change. Requires excellent credit, credit approval, and membership eligibility. Based on credit score, loan-to-value, requested term, and model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.75% | Fixed rate as low as 6.50%. APR is based on a loan amount of $25,000, a rate of 6.50%, and 72 monthly payments of $424.19 for borrowers with a 730+ credit score. |
Sources (1)
- fremontfcu.com/rates · captured Oct 6, 2026
New & Used Auto Loan
Membership eligibility and credit approval required. Rates and APR are based on factors including credit score (730+ for sample rate), loan-to-value, requested term, and model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.71% | Fixed rate as low as 4.25%. APR is based on a loan amount of $25,000, 36 monthly payments of $747.81, and a 730+ credit score. |
| up to 48 months | 4.85% | Fixed rate as low as 4.50%. APR based on excellent credit. |
| up to 60 months | 5.04% | Fixed rate as low as 4.75%. APR based on excellent credit. |
| up to 72 months | 5.49% | Fixed rate as low as 5.25%. APR based on excellent credit. |
| up to 84 months | 5.96% | Fixed rate as low as 5.75%. APR based on excellent credit. |
Sources (3)
- fremontfcu.com/loans/auto-loans
- fremontfcu.com/loans/auto-loans/new-and-used-auto-loan
- fremontfcu.com/rates
All captured Oct 6, 2026
Who can join Fremont 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
- Membership is open to individuals who live, work, worship, volunteer, or attend school in Sandusky, Ottawa, Seneca, Wood, Hancock, Lucas, or Fulton Counties.
Family and household
- Membership is open to individuals who have family members who are existing Fremont Federal Credit Union members.
Membership information collected October 5, 2026.