First Community Credit Union Auto Loan Rates

How First Community Credit Union’s auto loan rates compare

Compared with banks and credit unions near St. Louis, MO-IL, where First Community Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
First Community Credit Union
4.99%APR
Terms
48–60 months
Up to
—
New Auto Loans
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
Terms
—
Up to
12.25% APR
St. Louis Policemen's Credit Union rates
2nd-lowest rate
First Missouri Credit Union
3.99%APR
Terms
—
Up to
—
First Missouri Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 62% of U.S. banks and credit unions

By vehicle

New vehicleNew4.99%
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.

How the score works →

Where First 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.

Motorcycle Loans

Motorcycle financing is available on models 15 years or newer. Rates determined by credit history.

Terms	APR	Conditions
up to 60 months	6.50%	As low as APR. New & Used Motorcycles. Available on models 15 years or newer. Rate determined by credit history.
up to 72 months	6.99%	As low as APR; minimum $20,000. New & Used Motorcycles. Available on models 15 years or newer. Rate determined by credit history.

Sources (1)

firstcommunity.com/services-tools/tools/rates.html · captured Oct 5, 2026

New Auto Loans

Purchase or refinance a new vehicle. Rates and terms shown are available on models seven years or newer. Rates determined by credit history.

Terms	APR	Conditions
up to 36 months	4.75%	As low as APR; minimum $500. Available on models 7 years or newer. Rate determined by credit history.
48–60 months	4.99%	As low as APR. Available on models 7 years or newer. Rate determined by credit history.
61–72 months	5.50%	As low as APR. Available on models 7 years or newer. Rate determined by credit history.
73–84 months	6.50%	As low as APR; minimum $25,000. Available on models 7 years or newer. Rate determined by credit history.

Sources (2)

All captured Oct 5, 2026

Used Auto Loans

Purchase or refinance a used vehicle. Rates shown are available on models seven years or newer. Models eight years and older have different rates, terms and conditions. Rates determined by credit history.

Terms	APR	Conditions
up to 36 months	4.75%	As low as APR; minimum $500. Available on models 7 years or newer. Rate determined by credit history.
48–60 months	4.99%	As low as APR. Available on models 7 years or newer. Rate determined by credit history.
61–72 months	5.50%	As low as APR. Available on models 7 years or newer. Rate determined by credit history.
73–84 months	6.50%	As low as APR; minimum $25,000. Available on models 7 years or newer. Rate determined by credit history.

Sources (2)

All captured Oct 5, 2026

Who can join First 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 businesses, government entities, individuals, household members, and immediate family who reside or work in specified Missouri and Illinois counties.

Employers and groups

Membership is open to employees and retirees (and their household/immediate family members) of a company or association within the credit union's field of membership.

Family and household

Immediate family members and household members of eligible individuals qualify for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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