Credit union · NCUA insured
Spokane Firefighters Credit Union Auto Loan Rates
Spokane Firefighters Credit Union auto loans start at 4.49% APR for a new vehicle. Rates checked October 22, 2026.
How Spokane Firefighters Credit Union’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Spokane Firefighters Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spokane Firefighters Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Car and Truck Loans
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
- Discount
- None included
Spokane Firefighters Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spokane Firefighters 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.
Car and Truck Loans
We offer auto loans for both new and used vehicles. Refinancing available from another institution. Rate assumes a 0.50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with 0.25% being added for each year up to 84 months. Member Rewards program offers loan interest rebates of 0.25% APR for Platinum members and 0.15% APR for Gold members.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | New Cars & Trucks 2025 & Newer. Lowest possible rate for terms of 48 months or less. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
| up to 60 months | 4.49% | New Cars & Trucks 2025 & Newer at 60 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate adds 0.25% for each year over 48 months up to 84 months. |
| up to 72 months | 4.74% | New Cars & Trucks 2025 & Newer at 72 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate adds 0.25% for each year over 48 months up to 84 months. |
| up to 84 months | 4.99% | New Cars & Trucks 2025 & Newer at 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate adds 0.25% for each year over 48 months up to 84 months. |
| up to 48 months | 4.74% | Used Cars & Trucks 2019-2024. Lowest possible rate for terms of 48 months or less, with 0.25% added for each year up to 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
| up to 48 months | 6.24% | Used Cars & Trucks 2018-Older. Lowest possible rate for terms of 48 months or less, with 0.25% added for each year up to 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
Motorcycle Loans
Motorcycle loans for street or dirt bikes. Rate assumes a 0.50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with 0.25% being added for each year up to 84 months. Member Rewards program offers loan interest rebates of 0.25% APR for Platinum members and 0.15% APR for Gold members.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | Motorcycles 2025 & Newer. Lowest possible rate for terms of 48 months or less, with 0.25% added for each year up to 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
| up to 48 months | 6.99% | Used Motorcycles 2019-2024. Lowest possible rate for terms of 48 months or less, with 0.25% added for each year up to 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
| up to 48 months | 9.74% | Used Motorcycles 2018 & Older. Lowest possible rate for terms of 48 months or less, with 0.25% added for each year up to 84 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. |
Who can join Spokane Firefighters Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Spokane Firefighters Credit Union are eligible for membership.
Military, government and schools
- Employees of any fire department or fire district located in specified Panhandle counties in Idaho (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in specified Idaho counties (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, and Shoshone) are eligible for membership.
- Persons who retired from a full-time job with any fire department or fire district in North America and live in any school district within the state of Washington are eligible for membership.
- Employees of any fire department or fire district in the state of Washington are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, parents-in-law, children-in-law, grandparent, grandchild, including step and adoptive relationships) of primary membership groups are eligible for membership.
1 more way to join
Other ways
- Directors, employees, volunteers, and retirees of any of the eligible organizations (fire departments/districts in WA or specified ID counties, or the credit union) are eligible for membership.
Membership information collected October 4, 2026.