Credit union · NCUA insured
First City Credit Union Auto Loan Rates
First City Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How First City Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where First City Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First City Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
First City Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First City 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.
Motorcycles/ATVs Loan
Current year and up to 10 model years. Minimum monthly payment $100.00. Up to $25,000 Motorcycle Financing. Rates based on creditworthiness and subject to credit approval. Certain model year restrictions may apply. Lowest possible rate shown.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 6.75% | Current year and up to 10 model years. Minimum monthly payment $100.00. Payment per $1,000 is $23.83. As low as rate shown. |
| 49–60 months | 7.00% | Current year and up to 10 model years. Minimum monthly payment $100.00. Payment per $1,000 is $19.80. As low as rate shown. |
| 61–72 months | 8.25% | Current year and up to 10 model years. Minimum monthly payment $100.00. Payment per $1,000 is $17.66. As low as rate shown. |
Sources (2)
All captured Oct 16, 2026
New Auto Loan
Borrow up to $115,000 with up to 125% financing. Rates based on creditworthiness and subject to credit approval. Maximum repayment term dependent on loan amount. Certain model year restrictions may apply. 0.50% rate discount available for loan-to-value (LTV) <= 80%. 0.50% rate increase for vehicle mileage of 140,000 or more. New vehicles defined as less than 5,000 miles. Minimum payment amount is $50.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Payment per $1,000 is $29.27. As low as rate shown. |
| up to 48 months | 5.24% | Payment per $1,000 is $23.14. As low as rate shown. |
| up to 60 months | 5.49% | Payment per $1,000 is $19.10. As low as rate shown. |
| up to 72 months | 5.74% | Payment per $1,000 is $16.45. Minimum $10,000 loan required on terms longer than 60 months. As low as rate shown. |
| up to 84 months | 6.24% | Payment per $1,000 is $14.72. Minimum $10,000 loan required on terms longer than 60 months. As low as rate shown. |
| up to 96 months | 6.74% | Payment per $1,000 is $13.50. 96-month rate exclusive to best qualified borrowers on New Vehicles only with a minimum amount of $40,000. As low as rate shown. |
Sources (3)
- firstcitycu.org/loans-credit/vehicle-loans
- firstcitycu.org/loans-credit/vehicle-loans/auto-loans
- firstcitycu.org/about/rates/vehicle-loan-rates
All captured Oct 16, 2026
Used Auto Loan
Borrow up to $115,000 with up to 125% financing. Rates based on creditworthiness and subject to credit approval. 0.50% rate discount available for loan-to-value (LTV) <= 80%. 0.50% rate increase for vehicle mileage of 140,000 or more. Minimum payment amount is $50.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Payment per $1,000 is $30.08. As low as rate shown. |
| up to 48 months | 5.49% | Payment per $1,000 is $23.25. As low as rate shown. |
| up to 60 months | 5.74% | Payment per $1,000 is $19.21. As low as rate shown. |
| up to 72 months | 5.99% | Payment per $1,000 is $16.57. Minimum $10,000 loan required on terms longer than 60 months. As low as rate shown. |
| up to 84 months | 6.49% | Payment per $1,000 is $14.84. Minimum $10,000 loan required on terms longer than 60 months. As low as rate shown. |
Sources (3)
- firstcitycu.org/loans-credit/vehicle-loans
- firstcitycu.org/loans-credit/vehicle-loans/auto-loans
- firstcitycu.org/about/rates/vehicle-loan-rates
All captured Oct 16, 2026
Who can join First City Credit Union
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