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Farmers Insurance Federal Credit Union

Routing Number: 322077795

smiling in new car

Vehicle Loans

NEW - Lower Rates!

Save Money

Check out our affordable auto loans.

Get A Discount

Get a 1.00% rate reduction with qualifying Direct Deposit and Auto Pay.

Many Loan Options

From SUVs to RVs, we help fund your dream.

Apply Now

No matter how you like to get around the city, state, country, or body of water, when it’s time to finance or refinance a vehicle loan, cruise on over to your Credit Union for savings and convenience.

Our vehicle loans help you get moving with competitive, low rates. To keep the process seamless, we offer loan pre-approvals before you begin shopping, so you can explore your options with confidence. Important Note: Loan approval requires a hard credit inquiry.

  • Auto rates as low as 4.99% APR* for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 5.99% APR)
  • RV and travel trailer rates as low as 6.99% APR for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 7.99% APR)
  • Refinance auto loan rates as low as 4.99% APR* for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 5.99% APR)
  • Same low rates for new and used autos
  • Rates apply to purchases from a dealer, private party, refinance, or cash-out refinance

Eligible borrowers may qualify for up to a 1.00% conditional rate discount when they enroll in Direct Deposit for at least $1,000.00 per month and Auto Pay and maintain both for the duration of the loan. The conditional rate discount will remain in effect as long as you maintain Direct Deposit and Auto Pay.

We finance more than autos.
We’re here to help you finance all your dream rides. Whether you’re looking to get out on the highway or the water. Contact us here or call 800.877.2345 to learn our affordable loan rates on:

  • Motorhomes and travel trailers
  • Motorcycles
  • Boats
  • Personal watercraft

Apply Now

Auto Loans (New and used vehicles)

Term Direct Deposit and Auto Pay APR* Standard APR*
36 months 4.99% 5.99%
48 months 5.24% 6.24%
60 months 5.49% 6.49%
72 months 5.74% 6.74%

RV and Travel Trailer Loans

Term Direct Deposit and Auto Pay APR* Standard APR*
48 months 6.99% 7.99%
60 months 7.49% 7.49%
61 - 72 months 7.99% 7.99%
73 - 120 months 8.49% 8.49%

Additional Information
Download Lienholder Information Sheet 
Download Authorization for Payoff Form 
 

Fuel Economy Guide
When shopping for a new vehicle, running costs, including fuel economy, matter. That's why the government-published “2025 Fuel Economy Guide” is a useful tool for figuring out how much it will cost to own your dream car, truck, or SUV. Use the guide to compare the fuel economy, annual fuel costs and emissions for vehicles from today through 1984. Check it out at fueleconomy.gov.

*APR=Annual Percentage Rate.

**Rates effective as of May 29, 2026. Rates shown are our Preferred rates based on credit worthiness (FICO® Score), and a 1.00% APR Auto Loan discount for Direct Deposit or full Agent Net Check going into a FIGFCU Checking account (either High Yield Checking or CashBack Checking) in the amount of $1,000.00 (one thousand dollars) or more monthly and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates and terms are subject to credit approval. Other rates and terms are available. Other restrictions may apply. Financing available up to 130% of the Purchase Price, including tax, license, warranties and negative equity on a trade for qualified borrowers. Financing available up to 130% of the Purchase Price for a lease buyout or refinance, excluding tax or license, which were paid at the time of purchase. The Credit Union only lends up to 100% loan-to-value (LTV) for clear title or private party purchases. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval and are subject to change at any time and without notice. All values are determined by the Credit Union using either vehicle cost or Kelly Blue Book/NADA, whichever is lower. Other rates and terms are available.