FSB Auto Loan Rates

Current Auto Loan Rates

Rates Effective as of 
January 16, 2026
Automobiles 10

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2026-2024 Model Years (<60,000 miles)
Term
APR as low as**
60 Months
5.29%
72 Months
5.39%
84 Months
6.04%
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2023-2021 Model Years
Term
APR as low as**
60 Months
5.39%
66 Months
5.49%
72 Months
5.69%
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2020-2018 Model Years
Term
APR as low as**
48 Months
5.54%
54 Months
5.64%
60 Months
5.74%
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2017 & Older Model Years
Term
APR as low as**
36 Months
5.79%
42 Months
5.94%
48 Months
6.14%
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Motorcycles, Snowmobiles, ATVs, Dirt Bikes, etc. 12

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New (2026 - 2023 Models)
Term
APR as low as**
60 Months
7.34%
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Used (2022 - 2019 Models)
Term
APR as low as**
48 Months
8.09%
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Used (2018 & Older Models)
Term
APR as low as**
36 Months
9.84%
Apply Now

‍See Disclosures

**APR = Annual Percentage Rate. Rates subject to credit rating, standard underwriting and subject to change at anytime.  FSB uses NADA as a guide to determine value.  See Bank for more details.