Ready to Hit the Road?
We make it easy and stress-free to finance a new or used car or truck. With our competitive rates and optional protections, you can enjoy your new wheels this summer with peace of mind.
Key Benefits:
- Competitive Rates for New and Used Vehicles: Benefit from the same low rates whether you're buying a brand-new vehicle or a pre-owned one.
- Up to 120% Financing: Get up to 120% financing based on approved credit, covering your vehicle cost plus additional expenses like taxes, fees, and warranties.
- Optional Protections: Add optional protections such as GAP insurance or extended warranties to protect your investment.
- Complimentary Insurance Quote: Receive a complimentary insurance quote from Firefighter Insurance Services2 to bundle your auto loan with insurance conveniently.
- Membership Advantages: Become a member of Firefighters First Credit Union and enjoy additional benefits and personalized service.
Get Pre-Approved
Protect Your Purchase
We offer three comprehensive programs designed to provide peace of mind and financial security, helping you and your family stay protected against unexpected challenges and vehicle-related uncertainties.
Protection for You and Family
Debt Protection
Debt Protection: Payment protection when unexpected events happen. Coverage is subject to eligibility.
- Life Coverage: Designed to reduce or pay off the insured balance of your loan in the unfortunate case of death, up to the maximum in the contract
- Illness & Injury Coverage: Designed to pay your scheduled monthly loan payment, up to your contract limit, if you become disabled due to illness or injury and are unable to work
- 30-day free look
* Once protections are taken, please refer to the signed agreement that will be provided to you with all coverage information and exclusions.
Protection for Your Loan
Total Loss Protection with GAP
Guaranteed Asset Protection (GAP): In the event the vehicle is totaled or stolen, we would pay the deficiency balance after insurance pays the vehicle's value.
- No model, mileage, or year restrictions
- 30-day free look
* Once protections are taken, please refer to the signed agreement that will be provided to you with all coverage information and exclusions.
Protection for Your Vehicle
Mechanical Breakdown Protection (MBP)
Mechanical Breakdown Protection: Extended warranty on your vehicle to provide peace of mind by covering the costs of repairs and labor for the vehicle.
- Zero deductible
- 24/7 roadside assistance
- Rental car coverage
- Total Loss Refund
- 30-day free look
* Once protections are taken, please refer to the signed agreement that will be provided to you with all coverage information and exclusions.
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.1
Auto Loan Inquiry
* APR = Annual Percentage Rate. Based on credit worthiness. APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call us 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 us for out of state purchase requests as some restrictions apply. Representative Example: A $25,000 auto loan financed at 4.74% APR for 36 months would result in 36 payments of $747.77. Excludes business auto loans.
* Offer limited to new Firefighters First Credit Union members only and is valid for one (1) year (12 months) from the opening date of membership. Spousal accounts are excluded and members under the age of 18 are excluded. A limit of one discount per household. Can be combined with Direct Deposit Discount Only. Cannot be combined with any other offer.
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.
2 Firefighter Insurance Services (#0G87848) is not insured by NCUA