Credit union · NCUA insured
1st Community Federal Credit Union Auto Loan Rates
1st Community Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How 1st Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Angelo, TX, where 1st Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Automobiles & Light Trucks
Lowest rate
Concho Valley Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Texas Trust Credit Union
5.85%APR
- Terms
- up to 66 months
- Discount
- None included
1st Community Federal Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
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 Federal 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.
New Automobiles & Light Trucks
Current or prior model year. Non-commercial passenger automobiles and pick-up trucks (up to 1 ton capacity). Maximum amount financed up to MSRP plus sales tax, license, and title fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
| up to 60 months | 4.75% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
| up to 72 months | 5.00% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
New Automobiles & Light Trucks Balloon Payment
Current or prior model year. Balloon loan product. Maximum amount financed up to MSRP plus sales tax, license, and title fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.75% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
Used Automobiles & Light Trucks
Any vehicle that does not meet definition of 'New'. Non-commercial passenger automobiles and pick-up trucks (up to 1 ton capacity). Maximum amount financed up to NADA Retail plus sales tax, license, and title fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
| up to 60 months | 4.75% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
| up to 72 months | 5.00% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
Used Automobiles & Light Trucks Balloon Payment
Any vehicle that does not meet definition of 'New'. Balloon loan product. Maximum amount financed up to NADA Retail plus sales tax, license, and title fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.75% | Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit. |
Who can join 1st Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties in Texas are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of persons having primary potential eligibility to join the Credit Union are eligible.
Other ways
- Businesses, organizations, and other legal entities located in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties of Texas are eligible for membership.
Cost to join
- Members must make a minimum deposit of $25.00 to a Share (savings) Account representing the par value of a share, which is refundable if membership is closed after at least 90 days.
- A one-time non-refundable joining fee of $5.00 is required to establish membership.
Membership information collected October 5, 2026.