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Put yourself in the driver's seat


We all need cars to get around. So you deserve an auto loan that helps you get the car you need, while being friendly to your wallet too. 


  • Hassle-free loan - Your loan can be used to buy a new or used vehicle, with a loan length of up to 60 months. You’ll avoid hassling with dealers over rates and payments. And there’s no penalty for paying off the loan early.
  • Extra benefit for First Federal customers - You’ll get a 0.25% rate discount if you pay from a First Federal checking account.
  • Smart moves for used car shoppers - If you’re in the market for a used car, we have options for you. Used car shoppers can secure loans up to 60 months for cars 8 years old or less - and we’ll do a free used car value check.

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Term APR* New (2017-2018) APR* Used (2011-2016)
36-Month Loan 2.75% 3.25%
48-Month Loan 3.00% 3.50%
60-Month Loan 3.25% 3.75%
72-Month Loan 3.50% --%

*Annual percentage rate. The APR assumes the maximum loan amount. For example, a $65,000 loan amount with 60 monthly payments of $1,175.20 would be required.

Loan amounts can range from $5,000 up to $65,000

Sales Tax:
Add 0.50% to rates above if financing additional 10% for sales tax.

Credit Scores:
Add 0.50% to rates above for Credit Scores of 720 or less
Add 1.00% to rates above for Credit Scores of 680 or less

New Cars:
Lesser of purchase price, or 100% of MSRP ("sticker price.")

Used Cars:
Lesser of purchase price or average trade-in value (vehicles with salvage titles ineligible.)

Mileage limit: > 100,000 miles limited to a 36-month loan term.

Document prep fee: $100


Crunch the numbers

Whether you’re looking to calculate how much home you can afford or how much you might pay each month, we have the tools to help you dominate the digits.

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We've got your back

We believe everyone should be the boss of borrowing. That’s why we have a team of home loan consultants ready to answer questions and help you navigate the process.

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