SchoolsFirst FCU New and Used Auto Loan — SchoolsFirst Federal Credit Union is a auto loan from SchoolsFirst Federal Credit Union. Application typically pulls a credit report from Experian. The ongoing APR is New: 4.59% - 18.00% APR; Used: 4.99% - 18.00% APR (lowest rate includes a 0.75% automatic-transfer discount; rates effective 10/23/2026).