We make financing a car easy, with a range of competitive rates to fit almost anyone's financial situation.

Today's rates

  • As low as 5.24% APR for new vehicles.1
  • As low as 5.74% APR for used vehicles.1


Features of our auto loans

  • Enjoy low rates — consistently lower than banks — on loans for new and used cars.
  • Use it to finance a leased or private seller car.
  • Get financing for up to 130% of the car's value.2
  • Make no payments for the first 90 days.3
  • Choose a flexible term for a budget-friendly payment.4
  • Ask for an Auto Convenience Check (ACC) — a convenient way to fund your loan by simply writing a check to the franchise dealer, up to your approved loan amount.5

What you'll need

  • Be a SchoolsFirst FCU Member.
  • Submit a loan application and credit qualify.
  • Be 18 or older.



Log in to Online Banking to apply

Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



APR = Annual Percentage Rate. SchoolsFirst FCU has a loan program featuring a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 06/01/2023 and are subject to change without notice. All loans subject to approval. Terms and conditions are subject to change and may vary based on collateral conditions, qualification and creditworthiness.
  1. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.
  2. Financing not to exceed 130% of the Manufacturer’s Suggested Retail Price on new vehicles (Kelley Blue Book Suggested Retail Value on used vehicles) based on creditworthiness; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.
  3. Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans, is nontransferable, and cannot be combined with other offers. First payment is due by the 90th day after funding. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. The "90 day no payment" period may not be extended with participation in the "Summers Off" program; at least one payment is required to participate in the "Summers Off" program.
  4. Maximum term based on various factors, including the amount financed.
  5. Restrictions apply.

Refer Family or Friends

Invite your immediate family and eligible colleagues to join SchoolsFirst Federal Credit Union!

Not a Member?

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