EligibilityPer First Responders CU: Today, membership is open to eligible first responders across Massachusetts, the people who support them, and their families.
With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.+2 more+3 moreAutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.MA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.49% APR. Estimated payment: $466/mo
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.
NewNew car rates · 2 rates
MA • Checked Nov 13, 2026
New
As low as
4.49%APR•Up to 60 months
2022 or newer models
Requires:With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.+1 moreMA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.49% APR. Estimated payment: $466/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 60 months. New/Used Car and Motorcycle Loan Rates: Up To 60 Months, As low as 4.49%. "Rates effective as of 11/13/2026" "*APR = Annual Percentage Rate" "Annual percentage rate noted above reflects a discount of 0.50% because you have 1. A Savings account with First Responders Credit Union, 2. Direct Deposit from your employer to a First Responders Credit Union account, and 3. Automatic loan payments from your First Responders Credit Unionaccount that the direct deposit is set up with." "2025 & newer UP TO 84 MONTHS" "2024 & newer UP TO 72 MONTHS" "2022-2023 UP TO 60 MONTHS"
Requires:With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.+1 moreMA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.99% APR. Estimated payment: $354/mo
Assumes fixed APR, $0 down, no fees.
Advertised as 61-84 months. New/Used Car and Motorcycle Loan Rates: 61 to 84 Months, As low as 4.99%. "Rates effective as of 11/13/2026" "*APR = Annual Percentage Rate" "Annual percentage rate noted above reflects a discount of 0.50% because you have 1. A Savings account with First Responders Credit Union, 2. Direct Deposit from your employer to a First Responders Credit Union account, and 3. Automatic loan payments from your First Responders Credit Unionaccount that the direct deposit is set up with." "2025 & newer UP TO 84 MONTHS" "2024 & newer UP TO 72 MONTHS" "2022-2023 UP TO 60 MONTHS"
MA · 2022 or newer models • Checked Nov 13, 2026 · Up to 60 months
With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.+2 moreAutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.MA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.49% APR. Estimated payment: $466/mo
MA · 2024 or newer models • Checked Nov 13, 2026 · 61–84 months
With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.+2 moreAutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.MA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.99% APR. Estimated payment: $354/mo
Assumes fixed APR, $0 down, no fees.
UsedUsed car rates · 2 rates
MA • Checked Nov 13, 2026
Used
As low as
4.49%APR•Up to 60 months
2022 or newer models
Requires:With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.+1 moreMA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.49% APR. Estimated payment: $466/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 60 months. New/Used Car and Motorcycle Loan Rates: Up To 60 Months, As low as 4.49%. "Rates effective as of 11/13/2026" "*APR = Annual Percentage Rate" "Annual percentage rate noted above reflects a discount of 0.50% because you have 1. A Savings account with First Responders Credit Union, 2. Direct Deposit from your employer to a First Responders Credit Union account, and 3. Automatic loan payments from your First Responders Credit Unionaccount that the direct deposit is set up with." "2025 & newer UP TO 84 MONTHS" "2024 & newer UP TO 72 MONTHS" "2022-2023 UP TO 60 MONTHS"
Requires:With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.+1 moreMA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.99% APR. Estimated payment: $354/mo
Assumes fixed APR, $0 down, no fees.
Advertised as 61-84 months. New/Used Car and Motorcycle Loan Rates: 61 to 84 Months, As low as 4.99%. "Rates effective as of 11/13/2026" "*APR = Annual Percentage Rate" "Annual percentage rate noted above reflects a discount of 0.50% because you have 1. A Savings account with First Responders Credit Union, 2. Direct Deposit from your employer to a First Responders Credit Union account, and 3. Automatic loan payments from your First Responders Credit Unionaccount that the direct deposit is set up with." "2025 & newer UP TO 84 MONTHS" "2024 & newer UP TO 72 MONTHS" "2022-2023 UP TO 60 MONTHS"
MA · 2022 or newer models • Checked Nov 13, 2026 · Up to 60 months
With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.+2 moreAutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.MA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.49% APR. Estimated payment: $466/mo
MA · 2024 or newer models • Checked Nov 13, 2026 · 61–84 months
With savings accountWith savings account: Lender requirement: with savings account. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.+2 moreAutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.MA first responders & familiesMA first responders & families: For a specific group: only open to active or retired members of Massachusetts fire departments, first responders, EMS, the labor unions and staff that support them, and their families. 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 4.99% APR. Estimated payment: $354/mo
Assumes fixed APR, $0 down, no fees.
Not specified by lender: The lender does not say whether autopay or direct deposit is required. Your rate still depends on creditworthiness, term, and eligibility.
