Credit union · NCUA insured
First Choice Credit Union Auto Loan Rates
First Choice Credit Union auto loans start at 5.79% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How First Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wisconsin Rapids, WI, where First Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Choice Credit Union
5.79%APR
- Terms
- up to 84 months
Vehicles – Cars, Trucks, and Motorcycles
Lowest rate
Simplicity Credit Union
4.49%APR
- Terms
- 48–60 months
2nd-lowest rate
Valley Communities Credit Union
4.72%APR
- Terms
- up to 60 months
First Choice Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.79%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Choice 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.
Vehicles – Cars, Trucks, and Motorcycles
Rates are quoted 'as low as' and may vary depending on membership eligibility, credit history, year of vehicle, and/or down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.79% | 84 Month loans only available on Brand New DEALERSHIP vehicle purchases ONLY- 650 CREDIT SCORE OR HIGHER ONLY. Actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment. |
| up to 72 months | 5.29% | As low as rate; actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment. |
| up to 60 months | 4.99% | As low as rate; actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment. |
| up to 48 months | 4.79% | As low as rate; actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment. |
| up to 36 months | 4.69% | As low as rate; actual rates may vary depending on applicants' membership eligibility, credit history, year of vehicle, and/or down payment. |
Who can join First Choice Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who live or work in Wood, Marathon, Clark, and Portage counties.
Family and household
- Membership is open to the immediate families of those who live or work in Wood, Marathon, Clark, and Portage counties.
Membership information collected October 5, 2026.