Credit union · NCUA insured
First Community Credit Union Auto Loan Rates
Top CarrotFirst Community Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How First Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fargo, ND-MN, where First Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Community Credit Union
4.74%APR
- Terms
- —
- Discount
- None included
New & Used Auto Loans
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
3rd-lowest rate
Empeople Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Community Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First 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.
New & Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Loans subject to credit approval, not all members may qualify. Qualifying rate is dependent on credit qualifications, term of loan, and other conditions. Minimum APR loan payment example: 4.74% APR for 36 months per $1,000 is $29.86. |
Sources (1)
- myfccu.com/loans/auto-loans.html · captured Oct 4, 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside within a 75-mile radius of Jamestown, Devils Lake, Page or Portland, ND are eligible for membership.
- Persons who reside within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek, ND are eligible for membership.
- Persons who reside within a 40-mile radius of Bisbee and Larimore, ND are eligible for membership.
- Persons who reside in Marshall County, MN are eligible for membership.
- Persons who reside in Kittson County, MN to the extent Kittson County falls within a 75-mile radius of 2315 North Acres Dr., Crookston, MN are eligible for membership.
Family and household
- Immediate family of an existing member, even if outside the geographic boundary, may join.
Cost to join
- Opening an account requires an initial deposit of $5.
Membership information collected October 4, 2026.