Bank · FDIC insured
First Command Bank Auto Loan Rates
First Command Bank auto loans start at 4.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How First Command Bank’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where First Command Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First Command Bank
4.49%APR
- Terms
- 12–60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Discount
- None included
First Command Bank auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Command Bank 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.
New Auto Loans
Up to 100% financing for new vehicles (U.S. dealerships only). No minimum or maximum limit on new vehicle loans. Vehicle purchased through a dealership must be 2 years or newer in age, with 20,000 miles or less. Variable APR based on Prime Rate plus margin. Only existing First Command Bank clients are eligible to apply online; others must contact a Financial Advisor.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 4.49% | With FCB Discount (0.50% off base rate). Requires an automatic payment from an open First Command Bank deposit account prior to loan funding. |
| 12–60 months | 4.99% | Without discount. |
| up to 72 months | 4.99% | With FCB Discount (0.50% off base rate). Requires an automatic payment from an open First Command Bank deposit account prior to loan funding. |
| up to 72 months | 5.49% | Without discount. |
Sources (1)
- firstcommand.com/banking/loans/auto · captured Oct 7, 2026
Used Auto Loans
Up to 100% financing at NADA value for vehicles 7 years or newer purchased through a U.S. dealership, or those with 20,001 miles or more. Variable APR based on Prime Rate plus margin. Only existing First Command Bank clients are eligible to apply online; others must contact a Financial Advisor.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 5.49% | With FCB Discount (0.50% off base rate). Requires an automatic payment from an open First Command Bank deposit account prior to loan funding. |
| 12–60 months | 5.99% | Without discount. |
Sources (1)
- firstcommand.com/banking/loans/auto · captured Oct 7, 2026
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.