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Credit union · NCUA insured

First Community Credit Union Auto Loan Rates

Top Carrot, Carrot Score 94Top Carrot

First Community Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.

How First Community Credit Union’s auto loan rates compare

Compared with banks and credit unions near Houston, TX, where First Community Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 94

    This credit union’s lowest

    First Community Credit Union

    3.99%APR

    Terms
    36–84 months
    Up to
    17.44% APR
    Discount
    None included

    Auto Loan - New

  • Top Carrot, Carrot Score 94

    Lowest rate

    Lubrizol Employees' Credit Union

    3.24%APR

    Terms
    24–60 months
    Up to
    14.49% APR
    Discount
    Included in the rate

    Lubrizol Employees' Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    CommonCents CU

    3.50%APR

    Terms
    —
    Up to
    —
    Discount
    None included

    CommonCents CU rates

Compare auto loan rates near you →

First Community Credit Union auto loan score

94

Auto loan score

Higher than 96% of U.S. banks and credit unions

By vehicle
  • New vehicleNew3.99%
  • Used vehicleUsed3.99%

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.

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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, attends school, or worships in one of the 41 Texas counties served by First Community Credit Union.

Employers and groups

  • Membership is open to any person employed by or a member of a Select Employee Group.

Family and household

  • Membership is open to any relative or family member of an FCCU member or employee.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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