Credit union · NCUA insured
Team First FCU Auto Loan Rates
Team First FCU auto loans start at 5.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 16, 2026.
How Team First FCU’s auto loan rates compare
Compared with banks and credit unions near Lancaster, PA, where Team First FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Team First FCU
5.49%APR
- Terms
- 48–60 months
- Up to
- —
New Vehicles
Lowest rate
Wheatland Federal Credit Union
4.49%APR
- Terms
- —
- Up to
- 18.00% APR
2nd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Up to
- —
Team First FCU auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Team First FCU 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 & Used Motorcycles
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | Up to 5 Years. |
| up to 72 months | 6.99% | 6 Years. |
| up to 36 months | 7.49% | Up to 3 Years. |
| 48–60 months | 7.99% | 4 to 5 Years. |
Sources (1)
- teamfirstfcu.com/rates-fees · captured Oct 16, 2026
New Vehicles
Financing available for the purchase of a new vehicle up to MSRP. Refinancing available for automobile loans from other financial institutions. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Rate based on creditworthiness and term. |
| up to 36 months | 4.49% | Rate based on creditworthiness and term. |
| 48–60 months | 5.49% | Rate based on creditworthiness and term. |
| up to 72 months | 6.49% | Rate based on creditworthiness and term. |
| up to 84 months | 6.99% | Minimum loan $20,000.00. Rate based on creditworthiness and term. |
Used Vehicles
Financing available for used vehicles nine years old or newer up to NADA value, or up to fifteen years old at 80% of NADA value. Refinancing available from other financial institutions. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | Up to 5 Years. |
| up to 72 months | 7.49% | For vehicles four years or newer. |
| up to 48 months | 9.49% | Used vehicles ten to fifteen years old; up to 80% of value. |
Who can join Team First FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliation with ABF Freight provides eligibility for membership.
- Affiliation with ACME provides eligibility for membership.
- Affiliation with Albertsons Companies Inc. provides eligibility for membership.
- Employees and families of Brenneman’s Printing, Lancaster, PA are eligible for membership.
- Employees and families of EZSolutions, Lancaster, PA are eligible for membership.
- Affiliation with HR Ewell provides eligibility for membership.
11 more ways to join
Employers and groups
- Employees and families of International Paper, Lancaster, PA are eligible for membership.
- Employees and families of Kratos Defense and Security Solutions, Lancaster, PA are eligible for membership.
- Employees and families of Refreshingly Clean, Lancaster, PA are eligible for membership.
- Affiliation with SuperValu provides eligibility for membership.
- Affiliation with System Freight provides eligibility for membership.
- Union members and their families of Chauffeurs, Teamsters, Helpers Local Union No 771, Lancaster, PA are eligible for membership.
- Union members and their families of Chauffeurs, Teamsters, Helpers Local Union No 776, Lancaster, PA are eligible for membership.
- Employees and families of TreeHouse Foods, Lancaster, PA are eligible for membership.
- Affiliation with United Parcel Services provides eligibility for membership.
- Affiliation with YRC provides eligibility for membership.
Family and household
- Immediate family members of credit union members are eligible for membership.
Membership information collected October 5, 2026.