Credit union · NCUA insured
First Central Credit Union Auto Loan Rates
First Central Credit Union auto loans start at 4.84% APR for a new vehicle and 4.84% for a used one. Rates checked October 16, 2026.
How First Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where First Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Central Credit Union
4.84%APR
- Terms
- 49–66 months
- Up to
- 17.84% APR
- Discount
- None included
New Autos
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Up to
- —
- Discount
- None included
First Central Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Central 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.
Auto Refinance (External)
Guarantees up to 2.00% rate reduction below the borrower's current interest rate, down to a floor of 4.84% APR with $5,000 or more financed. Financing is available up to 110% of the retail value for qualified borrowers with a Vantage score 4.0 of 688 or higher; all other approved borrowers may finance up to 100% of retail value (JD Power regional market valuation).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.84% | Guarantees 2% rate reduction lower than current interest rate to a floor of 4.84% annual percentage rate with $5,000 or more financed. |
Sources (1)
- firstcentralcu.com/loans-credi…le-loans/auto-loans.html · captured Oct 6, 2026
New Autos
Term available based on credit score. Effective 3/01/2026.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.54%–17.45% | Term available based on credit score. |
| 37–48 months | 4.69%–17.69% | Term available based on credit score. |
| 49–66 months | 4.84%–17.84% | Term available based on credit score. |
| 67–72 months | 4.84%–17.84% | Term available based on credit score. |
| 73–84 months | 5.84%–10.09% | Term available based on credit score. |
Sources (1)
- firstcentralcu.com/loans-credi…le-loans/auto-loans.html · captured Oct 6, 2026
Pre-owned Autos
Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers. Classic Auto may be financed up to 24 months, or longer with approval from President. If the term of the loan is extended, rates may be subject to a 1% APR increase. The rates charged on your loans are determined according to your credit history as reported by Experian.
| Terms | APR | Conditions |
|---|---|---|
| 1–18 months | 4.84%–18.00% | Model year '17 & older. |
| 24–30 months | 4.84%–18.00% | Model year '18 - '19. |
| 36–42 months | 4.84%–18.00% | Model year '20 - '21. |
| 48–60 months | 4.84%–18.00% | Model year '22 - '23. |
| 60–72 months | 4.84%–17.84% | Model year '24 - '26. |
Sources (1)
- firstcentralcu.com/loans-credi…le-loans/auto-loans.html · captured Oct 6, 2026
Who can join First Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, and San Saba counties are eligible for membership.
- Individuals who live, work, or worship in Hill or Brown Counties are eligible for membership.
- Individuals who live or work in McLennan County are eligible for membership.
Employers and groups
- Employees of select employment groups are eligible for membership.
Family and household
- Individuals who have an eligible family member who is a member of First Central Credit Union are eligible for membership.
Cost to join
- New members are required to open a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.