Routing No: 322078383 | NMLSR ID# 421486 | DMV (ELT)# K29

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Fico Score Range 36 Mo. 48 Mo. 60 Mo. 72 Mo. 84 Mo.
New/Used Auto financing available up to 125% Loan to Value1 2
FICO 760 and above 4.99% 5.25% 5.49% 5.75% 6.25%
FICO 720 to 759 5.49% 5.75% 5.99% 6.25% 6.75%
FICO 680 to 719 6.49% 6.75% 6.99% 7.25% 7.75%
FICO 620 to 679 9.49% 9.75% 9.99% 10.25% 10.75%
FICO 619 or less 13.49% 13.75% 13.99% 14.25% 14.75%

Representative Example:
Financing $25,000.00 with no down payment at 5.49% for 60 months, payment of $478.00 per month.

To apply, log in to Online Banking, navigate to Accounts and select Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

1The maximum loan amount is $150,000. Maximum vehicle age is the current model year minus 12 years (2012 models for 2024). Value on new autos is based on the Manufacturers Suggested Retail Price (MSRP). Mechanical breakdown protection and GAP coverage purchased through F&A are not considered in determining the loan to value. Used Auto values determined by Kelley Retail Blue Book. Used Auto loans are limited to California, Arizona, Nevada, Oregon, Washington, Texas, Idaho, Colorado and Utah. Cash out used car financing includes mileage and the installed options. 125% auto refinancing excludes existing F&A auto loans. Auto loans with insufficient collateral cannot be financed.

All rates quoted above are Annual Percentage Rates (APR)

2Additional Information: All rates, except the Variable Rate Visa, include a 0.50% reduction for automatic transfer/payroll deduction. All loans subject to approval. Additional terms and conditions may apply. Rates and terms are subject to change without notice.

Representative Example: Payments are rounded to the nearest $1.

Rates effective as of June 1, 2024.

We help our members reach their financial goals at every life stage by providing access to the highest value products, superior service, and trusted advice.

Daily Maintenance

For your security, F&A Online and Mobile Banking will be updated and unavailable nightly from 10:00 p.m. to 10:10 p.m. We appreciate your understanding.