Auto Loans
The first step to getting a great new vehicle is to be approved for a loan with First American. You’ll get competitive rates and no hidden conditions that could cost you thousands. We can set you up with one of our auto loans and save you some serious money. Finance with us and see just how much your credit union can do for you!
Are you in the market for a new vehicle or would you like to lower your loan rate from another lender?
Take advantage of our Limited Time Flash Loan Sale now through May 31st.
- Get 1% rate discount off your loan rate
- 1% Cashback up to $500 when you close your loan directly with the credit union
- Plus qualified applicants can take 90 days before your first payment is due
Unfortunately, accidents do happen. And in case they do, you need to be ready. We can protect you against unexpected vehicle expenses with a couple of great insurance options. Let us help you choose the coverage that's best for you!
GAP Coverage
The value of your new vehicle can depreciate faster than the balance of your loan, leaving a gap between what you owe and the actual value of the vehicle. If the vehicle is stolen or totaled, you are still responsible for paying the difference between the loan balance and the amount of your insurance company's payment. For a one-time fee, you can protect yourself against this potential loss!
Extended Warranty
Mechanical problems always seem to pop up when you (and your bank account) least expect them. For greater peace of mind, ask about affordable extended warranty protection from First American. Anywhere you go in the U.S., you'll enjoy coverage for mechanical breakdowns, including rental car allowance!
- Nationwide coverage
- Rental car allowance
- No deductibles on covered parts or labor
- 24/7 emergency roadside services:
- Towing
- Flat Tires
- Jump Starts
- Lock-out Service
AutoSMART
Find the vehicle you've been looking for, online!
- Easy AutoSMART online tools
- Search by make, model, or year
- See current rates and prices
- Easily compare vehicles
- Exclusive benefits for credit union members
*APR=Annual Percentage Rate. **The 90-day NO payment option is available to qualified borrowers with a credit score of 640 or higher. This offer is valid for applications received 05/01/2025 - 05/31/2025. The promotional offer is available to qualified applicants purchasing or refinancing auto loans from other financial institutions. ***Loans originated from 3rd party partners (dealerships) are not eligible for 1% Cash Back offer. This offer does not apply to refinancing existing First American Credit Union loans. The offer may not be combined with any other promotion. Interest continues to accrue during the 90-day no-payment period. Monthly Payment Example: Financing a New Auto Loan (2025 ≤ 10,000 miles or newer) in the amount of $25,000 for 36 months at 4.44%APR will have a monthly payment of $743.00. Rates, terms, and conditions vary based on qualifications, creditworthiness, and collateral conditions. Your rate may vary. ***The 1% cash-back up to $500.00 is based on a minimum loan of $10,000.00. The cashback will be deposited approximately 120 days after loan funding, provided all First American accounts are in good standing. If the loan is closed or paid off within six months of opening, the 1% cash-back amount will be forfeited and added to the payoff amount. Offer can end at any time without prior notice. Membership in First American Credit Union is required. Ask us for specific details. Other restrictions may apply. Federally Insured by the NCUA.