Auto Loans

Get a new set of wheels at a great deal with the help of a credit union that's always focused on our members' needs. At First Capital Federal Credit Union, we offer a wide range of resources to get you off the lot and on to the open road in the right ride, at the right rate, with the right terms.

Take advantage of our competitively low rates, budget-friendly repayment terms, and local decision-making. Plus, we offer several car-buying tips and resources that help ensure that you're making a purchase that you'll be happy with well after the new car smell wears off.

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  • Competitively low rates for new or used vehicles, RVs, campers, and motorcycles
  • Terms ranging from 12 to 84 months on new vehicles
  • Terms ranging from 12 to 72 months on used vehicles
  • Up to 100% financing for qualified borrowers
  • Quick and easy pre-approval available for extra bargaining power at the dealership
  • Refinance a vehicle currently financed with another lender to potentially lower your rate, regardless of how long ago you made the purchase
  • Local Central Pennsylvania decision-making and processing
  • One-on-one, member-focused attention throughout the entire process

Add an extra layer of protection

Member's Choice™ Borrower Security provides peace of mind for both you and your family by providing debt coverage in the event that something unforeseeable should happen to you. Learn more about the benefits of debt protection today.

Car Buying Resources

NADA Guides

Easily go online anytime to get new car pricing and used book values, helping you make more informed selections. Get started right away!

CARFAX Vehicle History Report

That shadow of doubt can take your car buying experience from great to grey, quickly. Know exactly what you're buying by utilizing CARFAX online services.

CARFAX provides a complete used vehicle service report based on the vehicle identification number. Receive a FREE report when you finance your used vehicle at First Capital.

AskAuto App

Simplify your vehicle buying experience — on your own time. This convenient mobile app allows you to research vehicle information, learn more about what type of loan is right for you, and even apply for a loan at any time. Learn more about all the benefits of downloading the AskAuto App today.

Enterprise Car Sales

Periodically First Capital Federal Credit Union teams up with Enterprise Car Sales to offer fun and great deals at certified used car events.

If you can't wait until the next big event, however, take advantage of several other year-round Enterprise specials. Like, for example, their 7-day buyback, 12-month/12,000 mile limited power-train warranty, 109-point vehicle certification, and below Kelly Blue Book prices! Enterprise will find the car you're looking for, bring it to your door at no-obligation to you, and First Capital will give you a great deal on the financing!

For the best deal, year-round visit: Enterprise Car Sales online or call Enterprise Car Sales at 800-CAR-SALES ( (800) 529-2616).

Rental Car Specials


Get up to 25% off your rental and receive additional coupons to save even more. With self-serve check-in you can skip the counter, check-in at the kosk and drive away. It's that easy.

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National Car Rental

Save up to 25% and get additional coupons for your next rental. And, with the Emerald Club, you can bypass the counter and choose your own car.

Learn more.