Credit union · NCUA insured
First Class Community Credit Union Auto Loan Rates
First Class Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How First Class Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where First Class Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Class Community Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
First Class Community Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Class Community 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 Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Model year 2025 Or Newer. Terms up to 84 months. Rate as low as. Stated rate includes a loyalty discount of 0.25% for members with a checking account, debit card, and direct deposit on the date the loan is closed. |
| up to 72 months | 4.99% | Model year 2024-2022. Terms up to 72 months. Rate as low as. Stated rate includes a loyalty discount of 0.25% for members with a checking account, debit card, and direct deposit on the date the loan is closed. |
| up to 72 months | 5.49% | Model year 2021-2019. Terms up to 72 months. Rate as low as. Stated rate includes a loyalty discount of 0.25% for members with a checking account, debit card, and direct deposit on the date the loan is closed. |
| up to 48 months | 5.99% | Model year 2018 or Older. Terms up to 48 months. Rate as low as. Stated rate includes a loyalty discount of 0.25% for members with a checking account, debit card, and direct deposit on the date the loan is closed. |
| up to 84 months | 4.49% | Loan special: As low as rate includes a loyalty discount. Receive $100 cash at closing for purchased vehicles or loans refinanced from another lender (current loans with FCCCU do not qualify). Terms up to 7 years (84 months). Example: $20,000 for 60 months at 4.49% APR has a monthly payment of $372.77. Loans under First Class Acceptance program are not eligible for 100 days no payments. |
Sources (3)
All captured Oct 16, 2026
Who can join First Class Community 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 anyone living or working in Polk, Story, Jasper, Marion, Warren, Madison, Boone, Dallas, Plymouth, Cherokee, Ida, Woodbury, Crawford, and Monona counties in Iowa.
Military, government and schools
- All postal employees in the state of Iowa are eligible to join First Class Community Credit Union.
Cost to join
- A $25 deposit into a savings account is required to become a member and remains on hold for the duration of membership.
Membership information collected October 4, 2026.