Bank · FDIC insured
FCB Banks Auto Loan Rates
Top CarrotFCB Banks auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How FCB Banks’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where FCB Banks has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
FCB Banks
4.74%APR
- Terms
- up to 84 months
- Up to
- —
Auto Loans
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
FCB Banks auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FCB Banks ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Financing available for up to 7 years for newer vehicles. Fixed interest rate. Lower rate with automatic payments through an FCB Checking Account. Available on purchases and refinances from non-FCB financial institutions. Subject to loan approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rate as low as 4.74% APR. Determined by credit score, collateral, term of loan, and automatic deduction from an FCB checking account. Example: 5-year term ($20,000 loan at 4.74% APR with $375.05 monthly payments). Up to 7 years available for newer vehicles. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.