Credit union · NCUA insured
InFirst Federal Credit Union Auto Loan Rates
InFirst Federal Credit Union auto loans start at 6.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 22, 2026.
How InFirst Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where InFirst Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
InFirst Federal Credit Union
6.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
InFirst Federal Credit Union auto loan score
61
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew6.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where InFirst 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.
New and Used Auto Loans
Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Lowest rate shown with all available discounts applied (maximum discount not to exceed 0.50%). At no time can the discounted loan rate be lower than the credit union's designated floor rate. Current InFirst FCU Auto Loans are not eligible for refinance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Payment example: 36 monthly payments of $30.19 per $1,000.00 borrowed at 5.49% APR. Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 37–48 months | 6.49% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 49–60 months | 6.99% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 61–66 months | 7.19% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 67–72 months | 7.49% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 73–78 months | 7.74% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
| 79–84 months | 8.49% | Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible. |
Sources (1)
- infirstfcu.org/loan-rates · captured Oct 4, 2026
Who can join InFirst 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 anyone who lives, works, worships, or attends school in most of Salem, Roanoke, Botetourt, Vinton and King George, VA.
Employers and groups
- Membership is open to members of the InFirst Responders Foundation.
Military, government and schools
- Membership is open to retired federal employees receiving an annuity through the Office of Personnel Management.
- Membership is open to employees of listed federal agencies including OPM, FCC, FTC, PBGC, SEC, FEMA, STB, MSPB, and OGE.
Family and household
- Membership is open to eligible family members, including spouse, child, sibling, parent, grandparent, step-parents, stepchildren, step-siblings, domestic partners, and adoptive relationships.
Cost to join
- Joining the credit union requires establishing a share by maintaining a minimum of $5 in a Prime Savings Account.
Membership information collected October 4, 2026.