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

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
APR* for 24 months

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.

*APR=Annual Percentage Rate. Based on credit worthiness. 1.99% APR requires full direct deposit. To qualify for the direct deposit discount (0.50%), funds must be deposited into your Firefighters First checking account. Some restrictions apply. Offer valid to qualifying members only. Representative Example: A $25,000 auto loan financed at 1.99% APR for 24 months would result in 24 payments of $1,064.25. 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. If direct deposit is cancelled, the APR will increase to the current Market Rate. Excludes business auto loans. Rates effective August 19, 2019 and are subject to change.

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
  • Costco Member Advocates to assist throughout your purchase
  • A complimentary one-year paid Costco Gold Star Membership or a $50 Costco Shop 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


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 Shop 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 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. New Firefighters First Credit Union accounts opened are subject to our normal approval process. Programs subject to change.

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).

GAP Explainer Video


Debt Protection

Debt Protection cancels your loan balance (up to the contract limits) in the event of death or cancels your monthly loan payment (up to contract limits) in the event you are unable to go to work due to an accident or illness. You select the optional plan that fits your family’s financial needs. There are several options for protection on your loans.    


There is a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills.   Whatever the reason, you wouldn’t want your family to worry about making loan payments in the event of death or disability.   With Debt Protection, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest.  You benefit from knowing that your family is protected.

Debt Protection options: 
In the event of death, your remaining outstanding loan balance may be cancelled up to the maximum in the contract.
If you become disabled, your monthly loan payments may be cancelled up to a maximum number of loan payments based on the contract. 

Give your family time to get back on their feet financially.

This product is optional. Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.  We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.  Eligibility requirements, conditions, and exclusions. There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.


Mechanical Breakdown Insurance / Vehicle Service Contract

We can offer significant savings on mechanical breakdown coverage when compared to dealer rates. For a fraction of the cost that auto dealers charge and more comprehensive coverage, you can protect your new or used vehicle from unforeseen mechanical and electrical issues. This coverage provides extensive protection of your investment and gives you a solution for worry free driving.

Call us for additional information and let us protect your journey ahead.

Features and Benefits include:

  • Freedom of Choice: A wide array of options, deductibles and terms to suit your needs.
  • Nationwide Protection: Repairs can be performed by any authorized repair facility in the U.S. and Canada
  • Rental Vehicle Reimbursement: Pays for the expense of a rental vehicle while your vehicle is in service for covered repairs.
  • Emergency Roadside Assistance: 24/7 emergency roadside assistance for towing, flat tire change, emergency gas delivery, batter jump-start and key lockout service.
  • Paintless Dent Repair: Specialized hand tools gently push the dented metal back to its original form on your vehicle with no impact on the paint. Included complimentary with every protection plan!
  • Windshield Protection: Covers the cost of repairs to the front windshield of minor chips and cracks caused by propelled rocks or other road debris. Included complimentary with every protection plan!
  • Transferable Protection: Coverage is transferable for a small fee, helping improve the resale value of your vehicle.


MBP Product Explainer Video



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.

Having trouble accessing your accounts?

Try these troubleshooting tips:

Still having trouble accessing online banking? Give us a call at 800.231.1626.


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