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New & Used Auto Loans
New & Used Auto Loans

 

SchoolsFirst FCU makes financing a car easy. We offer a range of competitive rates to fit almost every financial situation.

Features & Benefits

  • Competitive low rates on new and used cars
  • Make no payments for 90 days1
  • 100% financing2
  • Flexible terms for a payment that fits your budget
  • Auto Convenience Checks available to purchase at the dealer like a cash buyer

Requirements

  • Must be a SchoolsFirst FCU Member
  • Must complete a loan application and credit qualify
  • 18 years of age or older

How to Apply

Online
Log into Online Banking to complete an Express Application

Call

Call 

800.462.8328

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

 

Branch

Visit

Any SchoolsFirst FCU branch

 

  

New Auto Loans

Annual Percentage Rate (APR) Terms in Months Estimated Payment Per $100 Borrowed
2.99% - 18.00% 36 $2.91 - $3.62
2.99% - 18.00% 48 $2.21 - $2.94
2.99% - 18.00% 60 $1.80 - $2.54
3.29% - 18.00% 72 $1.53 - $2.28
4.09% - 18.00% 84 $1.37 - $2.10

Maximum term based on various factors, including the amount financed. Lowest rates reflect a 0.75% discount for automatic payments from your SchoolsFirst FCU Share Savings or Checking Account.

 

Used Auto Loans

Annual Percentage Rate (APR) Terms in Months Estimated Payment Per $100 Borrowed
3.14% - 18.00% 36 $2.91 - $3.62
3.14% - 18.00% 48 $2.22 - $2.94
3.14% - 18.00% 60 $1.80 - $2.54
3.44% - 18.00% 72 $1.54 - $2.28

Maximum term based on various factors, including the amount financed. 84-month term not available on used auto loans. Lowest rates reflect a 0.75% discount for automatic payments from your SchoolsFirst FCU Share Savings or Checking Account.

 

 

Disclosures

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 date and are subject to change without notice. Lowest rates reflect a 0.75% discount for automatic payments from your SchoolsFirst FCU Share Savings or Checking Account. All loans subject to approval. Terms and conditions are subject to change and may vary based on collateral conditions, qualification and creditworthiness.

 


1Does 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.

2Financing available up to 100% of the Manufacturer Suggested Retail Price on new autos (Kelley Blue Book Suggested Retail Value on used autos) or purchase price, whichever is less; plus tax, license, documentation fees, GAP, and Mechanical Repair Coverage.

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TODAY'S RATES
Today's Rates
Auto Loans (New)
as low as 2.99% APR
36-Month New Auto Loan
We offer a range of competitive rates and flexible terms to fit almost every financial situation. Get pre-approved and visit the dealer with your financing in hand.

Calculators Apply for a Loan More about Auto Loans
Auto Loans (Used)
as low as 3.14% APR
36-Month Used Auto Loan
Whether you’re buying used, or want to refinance a loan from another lender to lower your payment, we can help you find the right solution.

Calculators Apply for a Loan More about Auto Loans
Mortgage (30-Year)
as low as 3.77% APR
30-Year Fixed Mortgage (Conforming)
If you are primarily interested in a low payment that won’t ever increase, and plan on staying in your home at least five years, a 30-year fixed mortgage may be right for you.

Calculators Apply for a Mortgage More about 30-Year Fixed Mortgage
Credit Card
as low as 10.25% APR
Inspire MasterCard
As with all our credit cards, you'll enjoy our everyday low interest rates, and because we charge no annual, balance transfer, or cash advance fees, you'll save more than with other higher rate cards.

Calculators Apply for a Credit Card More about Inspire MasterCard
Summer Saver
as high as 3.75% APY
Exclusively for School Employees
Ensures you'll have sufficient funds to get you through the months you don't receive a paycheck.

Calculators Find a Branch More about Summer Saver
Share Certificate
as high as 2.50% APY
Minimum opening deposit: $500
Rates among the best in the U.S. compared to bank CDs.

Calculators Open a Share Certificate More about Share Certificates
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