Credit union · Massachusetts

First Citizens' Federal Credit Union auto loan rates compared

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Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on firstcitizens.org

EligibilityPer First Citizens': Persons who live, worship, work (or regularly conduct business in), attend school in, or businesses or other legal entities in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties, Massachusetts are eligible to become a member by simply maintaining a $1.00 account balance.

Visit lender Opens firstcitizens.org

Lowest new rate

5.00%APR, as low as

New36 monthsFirst Citizens' Federal Credit Union

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.00% APR. Estimated payment: $750/mo

Assumes fixed APR, $0 down, no fees.

MA lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 5 rates

MAChecked Nov 13, 2026

New
As low as

5.00%APR36 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.00% APR. Estimated payment: $750/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Auto Loans: 3 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, new, 36 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 36 months ↗

MAChecked Nov 13, 2026

New
As low as

5.00%APR48 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.00% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Auto Loans: 4 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, new, 48 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 48 months ↗

MAChecked Nov 13, 2026

New
As low as

5.00%APR60 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Auto Loans: 5 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, new, 60 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 60 months ↗

MAChecked Nov 13, 2026

New
As low as

5.00%APR72 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans: 6 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, new, 72 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 72 months ↗

MAChecked Nov 13, 2026

New
As low as

5.00%APR84 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.00% APR. Estimated payment: $354/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans: 7 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, new, 84 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 84 months ↗
5.00%APR

New car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 36 months

MAChecked Nov 13, 202636 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.00% APR. Estimated payment: $750/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

New car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 48 months

MAChecked Nov 13, 202648 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.00% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

New car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 60 months

MAChecked Nov 13, 202660 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

New car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 72 months

MAChecked Nov 13, 202672 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

New car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, new, 84 months

MAChecked Nov 13, 202684 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.00% APR. Estimated payment: $354/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 5 rates

MAChecked Nov 13, 2026

Used
As low as

5.00%APR36 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.00% APR. Estimated payment: $750/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Auto Loans: 3 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, used, 36 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 36 months ↗

MAChecked Nov 13, 2026

Used
As low as

5.00%APR48 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.00% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Auto Loans: 4 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, used, 48 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 48 months ↗

MAChecked Nov 13, 2026

Used
As low as

5.00%APR60 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Auto Loans: 5 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, used, 60 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 60 months ↗

MAChecked Nov 13, 2026

Used
As low as

5.00%APR72 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans: 6 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, used, 72 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 72 months ↗

MAChecked Nov 13, 2026

Used
As low as

5.00%APR84 months

Requires:Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.00% APR. Estimated payment: $354/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans: 7 years, APR 5.000%. New vs used not separated. "Financing for vehicles less than 9 years old. Loan Amounts range from $5,000 to $80,000" "*Rates are subject to approval"

Checked Nov 13, 2026Source firstcitizens.org

Calculate payment, First Citizens' Federal Credit Union, 5.00% APR, used, 84 monthsVisit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 84 months ↗
5.00%APR

Used car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 36 months

MAChecked Nov 13, 202636 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.00% APR. Estimated payment: $750/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 48 months

MAChecked Nov 13, 202648 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.00% APR. Estimated payment: $576/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 60 months

MAChecked Nov 13, 202660 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.00% APR. Estimated payment: $472/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 72 months

MAChecked Nov 13, 202672 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.00% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

5.00%APR

Used car

Visit lender, First Citizens' Federal Credit Union, 5.00% APR, used, 84 months

MAChecked Nov 13, 202684 months

Min. loan $5,000Min. loan $5,000: The lender publishes this rate with a $5,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.SE MA & Islands countiesSE MA & Islands counties: For a specific group: only open to people who live, worship, work (or regularly conduct business in), or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.00% APR. Estimated payment: $354/mo

Assumes fixed APR, $0 down, no fees.