Choose Smart Auto Financing That Fits Your Life

Why pay more than you need to? With competitive rates, flexible terms, and a team of locals who get it, Firelands Federal Credit Union helps you shift into savings.

Find a Dealer & Get Financed

Giving high fives by the hands. Two male atv riders is in the forest together.

Don’t Let the Dealer Decide Your Rate

Too many people sign without looking—and end up stuck with higher payments. Keep control of your money. Ask your dealer to finance through Firelands Federal Credit Union.

Some of the best rates in the region
Options customized to your situation
Easy online banking access to your loan
60+ local dealer partnerships—finance right on site

How To Play (& Win)

Pick out the car you want:

It’s time to select your winner.

Tell the dealer:

You’ve chosen your loan alliance—Firelands Federal Credit Union.

FINISH IT!!

Sign and drive away with a winning payment plan.

Find a Dealer & Get Financed

More Than Just Cars

Even adventures deserve better rates.

Finance your RV, boat, or motorcycle with Firelands Federal Credit Union.

Get a great rate when your dealer finances you through Firelands FCU »

Want to lower your current payment?

Refinance your vehicle loan and keep more money in your pocket each month.

Start saving by refinancing through Firelands FCU »

Woman sitting in new status car and receiving keys

Local Banking

Built for You

Over 36,000 of your neighbors in Erie, Huron, and Crawford counties trust Firelands Federal Credit Union. We’re not a big bank—we’re part of the community. That means:

Lower fees and competitive rates
Six local branches with real people who know you
In-house support if something goes wrong
Profits reinvested where you live, work, and play

Your car. Your terms. Our best rates. Take the road to better financing with Firelands FCU.

Find a Dealer to Apply

*Applicant will owe any costs for loans that do not close. These costs may vary based on the stage of the application. This account has a Draw Period of 10 years, after which you will be required to repay any amounts within a 10-year Repayment Period, depending upon your account balance. Hazard and, if applicable, flood insurance required. New Firelands Federal Credit Union Home Equity Accounts are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations and exclusions may apply. Terms and conditions subject to change without notice. The home equity line of credit Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “Index”), plus a margin. Advertised rate is based on rates as of 1/1/25 and is subject to change. The minimum line of credit amount is $15,000. Minimum APR is 0%. Maximum APR (Lifetime Rate Cap) will be 18%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, CLTV, property type, amount of credit, term, and geographic location. There is a $60 annual fee. The early termination fee will be $350 if terminated within the first 36 months.