Credit union · NCUA insured
First Community Credit Union Auto Loan Rates
First Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% 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 Coos Bay, OR, where First Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
South Coast ILWU Federal Credit Union
3.85%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Rogue Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Community Credit Union auto loan score
73
Auto loan score
Higher than 34% 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 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
Subject to credit approval. Terms up to 84 months for new and 72 months for used vehicles. No application fee. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.49% | Applies to automobiles with a model year five years past the current model year or newer with less than 100,000 miles. Monthly payments are estimated at $15.88 per $1,000 financed with no down payment. The APR includes a 1.00% discount for monthly automatic payment from a First Community checking account; failure to maintain results in a permanent 1.00% APR increase. Offer applies to finance new and used automobile purchases and loans refinanced from another financial institution. Repayment period and loan-to-value limits are based on creditworthiness, loan amount and collateral. |
Who can join First Community Credit Union
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