Credit union · NCUA insured
First Community Credit Union Auto Loan Rates
First Community Credit Union auto loan rates start at 3.84% APR. Rates checked October 16, 2026.
How First Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rockford, 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
– –
- Terms
- —
No ongoing APR published
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
2nd-lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
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.
Vehicle Loans
Membership eligibility is required. Rates subject to change and based on creditworthiness. Rate and length of term may vary by model. Other credit qualifications and underwriting factors may apply. Minimum 690 credit score required for lowest rate; qualifying 2020 or newer vehicles; new money only; existing FirstCCU loans not eligible for refinance offer. Checking relationship discount may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.84% | Lowest advertised rate for 36-month terms. Requires qualifying 2020 or newer vehicles, qualified borrowers with minimum 690 credit score, and new money. |
Sources (1)
- firstccu.com/loans/auto-recreation-loans · captured Oct 5, 2026
Who can join First Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.