Credit union · NCUA insured
1st Community Credit Union Auto Loan Rates
Top Carrot1st Community Credit Union auto loans start at 4.44% APR for a new vehicle and 4.69% for a used one. Rates checked October 16, 2026.
How 1st Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sparta, WI, where 1st Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Community Credit Union
4.44%APR
- Terms
- up to 60 months
- Discount
- None included
2026 (new) - 2027 (<15,000 miles) Auto Loan
Lowest rate
Oakdale CU
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
R.I.A. Federal Credit Union
5.24%APR
- Terms
- 24–66 months
- Discount
- None included
1st Community Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.44%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Community Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
2026 (new) - 2027 (<15,000 miles) Auto Loan
Rates posted are the lowest available to qualified borrowers. Rates determined by loan type, model year, term, amount financed, and credit history. All loans subject to credit approval. Membership eligibility required (lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County). Up to 100% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | As low as rate for 24 Mo term. |
| up to 36 months | 4.14% | As low as rate for 36 Mo term. |
| up to 48 months | 4.29% | As low as rate for 48 Mo term. |
| up to 60 months | 4.44% | As low as rate for 60 Mo term. |
| up to 72 months | 4.74% | Some restrictions apply for terms that are 72 months and higher. |
| up to 84 months | 4.99% | Some restrictions apply for terms that are 72 months and higher. |
Sources (1)
- 1stccu.com/auto-loans · captured Oct 7, 2026
Older Vehicles Auto Loan
Older vehicle loans not eligible for discounts; minimum loan amount $1,000. Rates posted are the lowest available to qualified borrowers. Rates determined by loan type, model year, term, amount financed, and credit history. All loans subject to credit approval. Membership eligibility required (lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County). Up to 100% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 9.90% | As low as rate for 24 Mo term. Older vehicle loans not eligible for discounts; minimum loan amount $1,000. |
| up to 36 months | 10.15% | As low as rate for 36 Mo term. Older vehicle loans not eligible for discounts; minimum loan amount $1,000. |
| up to 48 months | 10.65% | As low as rate for 48 Mo term. Older vehicle loans not eligible for discounts; minimum loan amount $1,000. |
| up to 60 months | 11.40% | As low as rate for 60 Mo term. Older vehicle loans not eligible for discounts; minimum loan amount $1,000. |
Sources (1)
- 1stccu.com/auto-loans · captured Oct 7, 2026
Used 2016-2021 Vehicle Auto Loan
Rates posted are the lowest available to qualified borrowers. Rates determined by loan type, model year, term, amount financed, and credit history. All loans subject to credit approval. Membership eligibility required (lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County). Up to 100% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | As low as rate for 24 Mo term. |
| up to 36 months | 5.14% | As low as rate for 36 Mo term. |
| up to 48 months | 5.29% | As low as rate for 48 Mo term. |
| up to 60 months | 5.44% | As low as rate for 60 Mo term. |
Sources (1)
- 1stccu.com/auto-loans · captured Oct 7, 2026
Used 2022-2026 Vehicles Auto Loan
Rates posted are the lowest available to qualified borrowers. Rates determined by loan type, model year, term, amount financed, and credit history. All loans subject to credit approval. Membership eligibility required (lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County). Up to 100% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | As low as rate for 24 Mo term. |
| up to 36 months | 4.39% | As low as rate for 36 Mo term. |
| up to 48 months | 4.54% | As low as rate for 48 Mo term. |
| up to 60 months | 4.69% | As low as rate for 60 Mo term. |
| up to 72 months | 4.99% | Some restrictions apply for terms that are 72 months and higher. |
Sources (1)
- 1stccu.com/auto-loans · captured Oct 7, 2026
Who can join 1st Community Credit Union
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