Auto Loans

We offer car and truck financing. Apply for pre-approval up to 30 days prior to purchase, then start shopping for the vehicle of your dreams.

  • Choose the term that best fits your budget – up to 84 months (some term restrictions apply)
  • New and used - same competitive rates
  • Up to 100% financing
  • Mechanical Breakdown Insurance/Extended Warranty available at reduced costs
  • And now, No Payment for 90 Days!**

To calculate approximately what your payment might be for a specific dollar amount and term, use our loan calculators. See our exclusive Fire Family rates.

Costco Auto Program

Rates as low as 2.49% APR*
Plus, no payments for 90 days**

Apply Now
Or, give us a call at (800) 231-1626

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 a Loan Officer for limitations for out of state purchases. Taxes are based on selling price for new and used vehicles.

Insure your new car or truck with FIS. Learn More about FIS

Plus, You Can Easily Apply for Pre-Approval

By applying for pre-approval of our auto loan, you will know how much you qualify for. You can apply for pre-approval through Online Banking or by giving us a call at (800) 231-1626.

Costco Auto Program

As an added value to Firefighters First Credit Union members, we have teamed up with Costco to save you money and make your next auto purchase an easy experience. The Costco Auto Program provides members with low, prearranged Costco member pricing through its network of approved dealerships. It's a free benefit for you with added perks if you finance your car with Firefighters First:

  • Costco-sized savings on a wide range of makes and models
  • A dedicated website for Firefighters First members at firefightersfirstcu.costcoauto.com/
  • Costco Member Advocates to assist throughout your purchase
  • A complimentary one-year paid Costco Gold Star Membership or a $50 Costco Cash Card (if you're already a Costco member), courtesy of Firefighters First when you finance your vehicle with the Credit Union and complete the survey you will receive via email within 30 days of purchase.1

The first step in making any auto purchase is knowing how much car you can afford. And we can help. Call us today at (800) 231-1626, apply online, or stop by your nearest branch to apply. This one easy step can save you big money in the long run. In the meantime, feel free to do some online research at firefightersfirstcu.costcoauto.com/.

SHOP NOW!

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP coverage) covers the difference between your primary carrier insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges.

For example, let's say the car you purchased for $25,000 is valued at only $16,000. The amount you owe is $21,000 when it is stolen and never recovered or is involved in an accident in which it is damaged beyond repair. Most insurance policies will only reimburse you for the value of your vehicle ($16,000), leaving you to repay the remaining loan balance ($5,000). With the GAP coverage, the remaining loan balance ($5,000) is taken care of for you, including your insurance policy deductible, up to $1,000 (up to 150% of the value).

Credit Life & Disability

When you obtain a loan through the Credit Union, Payment Protection Insurance can protect your family's financial security in the unlikely event of illness, permanent disability or loss of life. There are two types of Payment Protection Insurance: Credit Life and Credit Disability.

Credit life insurance is designed to pay off the insured balance on your loan in the event of your passing. Credit disability insurance is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work.

Both types of insurance are optional with your Credit Union loan and can be incorporated into the loan.

Contact us for more information about GAP and Credit & Life Disability.

Mechanical Breakdown Insurance

With Mechanical Breakdown Insurance, you can protect your vehicle against mechanical failures! Whether you are purchasing a new or used vehicle (under 75,000 miles), this extended auto warranty provides coverage for your investment and gives you a solution for worry-free driving. For more information about the extended auto warranty (Mechanical Breakdown Insurance) and premium amounts for your vehicle, contact the Credit Union.

MBI Servicing - Policies through Allied/American Mercury Insurance. (800) 654-8455

*APR=Annual Percentage Rate.

** Based on credit worthiness. 2.49% APR* requires full direct deposit. To qualify for the direct deposit discount, funds must be deposited into your Firefighters First checking account. Some restrictions apply. Offer valid to qualifying members only. Qualifying member may select to defer their first payment for 90 days from the loan funding date. Interest accrues on the entire outstanding balance during the term of the loan including the deferral period. Subject to credit approval. 90-day deferral offer valid on new and used vehicles based on credit worthiness. Representative Example: A $25,000 auto loan financed at 3.24% APR for 72 months would result in 72 payments of $382.53. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Credit Union Policies and procedures. Rates are subject to change without prior notice.

1 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. Current eligible Costco members receive a $50 Costco Cash Card; eligible non-Costco members receive a one-year Gold Star Membership. No substitutions. Not redeemable for cash. Incentive will be paid by Costco to members two months after vehicle purchase. Costco is fully responsible for distributing all cash 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. New Firefighters First Credit Union accounts opened are subject to our normal approval process. Programs subject to change.

Rates effective 12/1/18 and are subject to change.

Sign Up for Online Banking

Ready to sign up for OnLine Banking? Follow these instructions or give us a call at 800.231.1626

  • Log in to Online Banking at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.
  • Confirm personal account information and accept the disclosure agreement.
  • Create a secure Username and Password for OnLine Banking.
  • Verify your identity by receiving and entering your One Time Passcode.
  • Select "Yes, register my private computer" if you are using a private home computer, or "No, this is a public computer" if using a public or shared computer (work, library, internet café).
  • Keep your personal User Name and Password private and confidential for future use.
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