0.50% off with direct deposit.
Deposit $1,000/month for two consecutive months to qualify for a 0.50% APR discount on eligible vehicle loans.
One credit union. Every vehicle in the Fire Family garage.
From daily drivers to boats and ATVs, we finance every vehicle in the Fire Family garage with competitive rates, a 0.50% APR* direct deposit discount and flexible terms. Get pre-approved before you shop to lock in your rate and strengthen your position at the dealership. All loans are subject to credit approval.
AUTO LOANS
New or used, you get the same competitive rate.
We finance new and used cars, trucks and SUVs at the same rate. With up to 120%† financing based on approved credit, you can cover your vehicle cost plus taxes, fees and warranties without coming out of pocket. Pre-approval is available and puts you in a stronger position before you ever visit a dealer.
Motorcycle LOANS
From cruisers to adventure tourers, we finance the ride.
New or used, we finance cruisers, sport bikes and adventure tourers with terms up to 60 months. With up to 115%† financing on approved credit, you can cover your motorcycle cost plus taxes, fees and riding gear.
RV LOANS
The open road is calling. We’ll handle the financing.
From travel trailers to Class A motorhomes, we finance recreational vehicles for every budget and timeline. Whether it is a weekend trip or a cross-country journey, we will help you get there.
BOAT LOANS
Cast off with a boat loan built for the Fire Family.
Powerboats, sailboats and fishing vessels, all financed through Firefighters First. Rates and terms vary based on vessel and loan amount. Boats over 28 feet require an out-of-water marine survey.
ATV LOANS
From quads to side-by-sides, we finance the off-road life.
With competitive rates, flexible terms, and a fast application process, you spend less time on paperwork and more time on the trail.
WATERCRAFT LOANS
The water is calling. We’ll handle the financing.
We finance jet skis, personal watercraft and other recreational water vehicles with competitive rates and flexible terms so you can hit the water this season without touching your savings.
Before you apply: a few things worth knowing.
Getting pre-approved before you shop is always a smart first step. It gives you a firm budget, speeds up the purchase process and means you walk into any dealership knowing your financing is already handled.
We lend in most states.
Firefighters First does not lend in non-titling states. Contact us for out-of-state purchases as restrictions may apply.
Buying private or out of state?
Contact us before finalizing a private-party or out-of-state purchase so we can confirm the loan can be structured correctly.
Insurance Services
Protect what you finance.
Once you have your vehicle, protecting it matters. Insurance Services offers auto, motorcycle, boat and recreational vehicle insurance coverage to Fire Family members, with a free coverage review regardless of your current carrier. Getting a quote takes only a few minutes and can be done alongside your loan application.
Everything you need to know about our vehicle options.
Does Firefighters First Credit Union finance both new and used vehicles?
Yes, Firefighters First Credit Union finances new and used vehicles. For autos and motorcycles, the rate is the same for new and used vehicles up to 5 years old. Contact us for specifics on the vehicle you are considering.
What is the direct deposit discount?
Members with qualifying direct deposit of at least $1,000 per month are eligible for a 0.50% APR* discount on eligible vehicle loans after two consecutive months. Direct deposit must remain active for the life of the loan to keep the discounted rate.
Can I get pre approved before I shop?
Yes. Pre-approval is available for all vehicle loan types. Applying before you shop gives you a clear budget and means your financing is already in place when you find the right vehicle. Apply through Online Banking or contact us.
How much can I finance?
Based on credit criteria and the vehicle, Firefighters First Credit Union finances up to 120% of the vehicle’s value, which can cover taxes, fees and accessories. For motorcycles, up to 115% is available. Financing amounts for RVs, boats, ATVs and watercraft vary based on the collateral and loan amount. Contact us for specifics.
Can I refinance a vehicle loan from another lender?
Yes. If you have an existing vehicle loan elsewhere, refinancing through Firefighters First Credit Union may reduce your rate. Contact us to discuss your current loan and what Firefighters First Credit Union can offer.
What is the Costco Auto Program?
The Costco Auto Program connects eligible members to participating dealers with pre-negotiated pricing. Members who purchase through the program and finance with Firefighters First Credit Union receive a $65 Costco Shop Card. See the Costco Auto Program page for full eligibility details.
Does Firefighters First Credit Union lend on out of state vehicles?
Firefighters First Credit Union does not lend in non-titling states on collateral loans. For out-of-state purchase requests, contact us before finalizing the transaction to confirm the loan can be structured correctly.
* APR = Annual Percentage Rate.
** APR requires full direct deposit. To qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please visit our Rates page. The Credit Union does not lend in a non-titling state on collateral loans in which a state does not issue or guarantee a title. Please contact us for out-of-state purchase requests as some restrictions apply.
† Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
1. Firefighter Insurance Services (#0G87848) is not insured by NCUA.
Representative Example: A $25,000 auto loan financed at 4.74% APR for 60 months would result in 60 payments of $468.81. Excludes business auto loans.
Offer limited to new Firefighters First Credit Union members only and is valid for one (1) year (12 months) from the opening date of membership. Spousal accounts are excluded and members under the age of 18 are excluded. A limit of one discount per household. Can be combined with Direct Deposit Discount only. Cannot be combined with any other offer.
Costco Auto Program: Must be a Firefighters First Credit Union member, locate a participating dealer through the Costco Auto Program and meet with the Authorized Dealer Contact to be eligible. Firefighters First Credit Union loan funding required as well as completion of a Costco Auto Program Member Satisfaction Survey within 30 days of purchase. Incentive will be paid by Costco to members two months after vehicle purchase. No substitutions. Not redeemable for cash. Costco is fully responsible for distributing all shop cards. Costco and its affiliates do not sell automobiles or negotiate individual transactions. All new cars arranged for sale are subject to availability and a price prearranged with the participating franchised new car dealer. Certain vehicles may be excluded from the program. A participation fee has been paid by the dealers participating in the Costco Auto Program. Programs subject to change.