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 2.49% APR*
Plus, no payments for 90 days**

Apply Now
Or, give us a call at (800) 231-1626

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
  • 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.

Apply Now

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 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.

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.

Pre-Owned Vehicles: Get access to pre-priced no hassle or haggle pricing All Autoland used vehicles come with a 30 day/3000 mile warranty on top of manufacturer warranty's.

Trade-In Services: Autoland accepts any year, make, model, or condition of vehicle. You can sell your vehicle using Autoland’s Used Car Auction and the consultants will provide you with an quote to purchase your Trade-in within 24 Hours.

What's Next?


Apply for Pre-Approval

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. 2.49% 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. 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 auto loan financed at 3.24% APR for 72 months would result in 72 payments of $382.53. 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.

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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