The Ferguson FCU is a auto loan from Ferguson FCU. The ongoing APR is APR as low as: New Auto 5.49%; Used Auto (2–9 years old) 5.99%; Older Auto (10–24 years old) 8.24%; Classic Auto (25 years and older) 6.64% (rates updated June 29, 2026). Loan terms: Terms up to 96 months (New, Used and Older Auto); terms up to 36 months (Classic Auto).