Credit union · NCUA insured
Valley 1st Community FCU Auto Loan Rates
Valley 1st Community FCU auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Valley 1st Community FCU’s auto loan rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Valley 1st Community FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley 1st Community FCU
6.25%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loans
Lowest rate
Western PA FCU
3.64%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
FirstEnergy Choice FCU
1.99%APR
- Terms
- 37–72 months
- Discount
- Included in the rate
Valley 1st Community FCU auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- 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 Valley 1st Community 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.
Auto Loans
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 84 months | 6.25% | Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. |
Who can join Valley 1st Community FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Family and household
- Membership is open to family members of eligible individuals living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Cost to join
- An opening share deposit of at least $5.00 is required upon joining.
- An initial membership fee of $1.00 is required upon joining.
Membership information collected October 5, 2026.