Credit union · NCUA insured
UFirst Federal Credit Union Auto Loan Rates
UFirst Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How UFirst Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Plattsburgh, NY, where UFirst Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UFirst Federal Credit Union
5.75%APR
- Terms
- 60–75 months
New Auto
Lowest rate
AmeriCU Credit Union
4.74%APR
- Terms
- up to 84 months
2nd-lowest rate
NorthCountry Federal Credit Union
4.99%APR
- Terms
- up to 60 months
UFirst Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UFirst 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 Auto
Rates Effective October 1st, 2026. Loans subject to credit approval and membership eligibility ($5 minimum deposit in savings account). No application fees. Relationship pricing of up to 1.00% off rates depending on number of UFirst products/services used (does not apply to certain specials).
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 4.75% | APR as low as 4.75% for 0-35 months. Determined by credit history. |
| 36–59 months | 5.25% | APR as low as 5.25% for 36-59 months. Determined by credit history. |
| 60–75 months | 5.75% | APR as low as 5.75% for 60-75 months. Determined by credit history. Example: new auto loan of $20,000 for 60 months @ 5.75% APR may have a monthly payment of $385.20. |
| 76–84 months | 6.25% | APR as low as 6.25% for 76-84 months. Determined by credit history. |
Sources (2)
All captured Oct 16, 2026
Used Auto
Rates Effective October 1st, 2026. Loans subject to credit approval and membership eligibility ($5 minimum deposit in savings account). No application fees. Relationship pricing of up to 1.00% off rates depending on number of UFirst products/services used (does not apply to certain specials).
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 5.75% | APR as low as 5.75% for 0-35 months. Determined by credit history. |
| 36–59 months | 6.00% | APR as low as 6.00% for 36-59 months. Determined by credit history. |
| 60–75 months | 6.25% | APR as low as 6.25% for 60-75 months. Determined by credit history. Example: used auto loan of $20,000 for 60 months @ 6.25% APR may have a monthly payment of $389.94. |
| 76–84 months | 6.75% | APR as low as 6.75% for 76-84 months. Determined by credit history. |
Sources (2)
All captured Oct 16, 2026
Who can join UFirst Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.