Auto Loans

Live Freely! With Rates starting at 1.99% APR 1

Choose the term that best fits your budget  (some term restrictions apply)

  • New and Used – same competitive rates
  • Up to 120% financing on approved credit
  • Mechanical Breakdown Insurance / Extended Warranty available at reduced costs

It is time to shop for the vehicle of your dreams!

Whether you are looking for a new or used car or want to refinance your current car, we have competitive rates for you.

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

Costco Auto Buying Program2

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 is 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 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.

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!
 

Protect Your New Vehicle

Get the Right Insurance Coverage

We can help you get a great deal on auto insurance with Firefighter Insurance Services (FIS)3.

Learn More about FIS

Looking for extra protection? We offer 3 programs to keep you and your family protected.

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).

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.

SAFEGUARD YOUR FAMILY

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 canceled up to the maximum in the contract.
  • If you become disabled, your monthly loan payments may be canceled 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.

  • 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.

Whether you are purchasing a new or used vehicle (under 75,000 miles), this protection provides coverage for your investment and gives you a solution for worry-free driving.

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 purchases outside of your home state. Taxes are based on selling price for new and used vehicles.

1APR=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. Some restrictions apply. Offer valid to qualifying members only. Representative Example: A $25,000 auto loan financed at 1.99% APR for 36 months would result in 36 payments of $716.53. 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. If direct deposit is cancelled, the APR will increase to the current Market Rate. Excludes business auto loans. Rates effective June 1, 2020 and are subject to change. Maximum term for vehicles over 5 years old is 60 months.

2 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.

3Firefighter Insurance Services (license # 0G87848) is not insured by NCUA.