Experience the excitement of driving a new car with no payment for 90 days!
That's right – finance your new or pre-owned vehicle with our great low rates and you can defer your first payment for 90 days!
Rates as low as 1.99% APR*
Plus, no payments for 90 days**
Or, give us a call at (800) 231-1626
We offer car and truck financing. Get pre-approved 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
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
Plus, You Can Easily Get Pre-Approved
By getting pre-approved for our auto loan, you will know how much you qualify for. To get pre-approved, apply through Online Banking or call us at (800) 231-1626.
Learn about Autoland
We offer you access to Autoland – a one-stop-shop for an auto brokerage service at a great value. With this auto buying service, you can shop a large online selection, calculate payments, configure a car, and compare new or used vehicles, all without having to go to a dealership.
- Personal consultants - find the vehicle of your choice and negotiates the price
- Prefer to do some research on your own?
Autoland’s Auto Brokerage Services
New Vehicle Buying Service: Receive pricing, options, manufacturer's rebates, and special offer information on new cars. You can take delivery without ever stepping foot in a dealership.
Certified Pre-Owned Vehicls: Get access to pre-priced vehicles without having to haggle. All Autoland Certified Pre-Owned Vehicles go through an exhaustive 57-point inspection and each vehicle comes with a warranty and guarantee.
Online Shopping: Purchase a vehicle without ever leaving your home. Research and compare every new make and model and browse Autoland's Certified Pre-Owned Vehicle inventory.
Used Vehicle Locator Service: With several buyers throughout the country, Autoland has access to hundreds of dealer auctions.
Trade-In Services: Autoland accepts any year, make, model, or condition of vehicle. You can sell your vehicle using Autoland's classified listings online for free. Consultants will provide you with an Autoland quote to purchase your trade-in.
GO TO AUTOLAND
For more information regarding our Auto Advantage program, contact a Loan Officer at (800) 231-1626.
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. 1.99% APR* requires full direct deposit. To qualify for the direct deposit discount, funds must be deposited into your Firefighters First checking account. 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. 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 loan financed at 3.99% APR for 60 Months would result in 60 payments of $463.25 with the first payment due in 90 days. 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.