Credit union · NCUA insured
First County FCU Auto Loan Rates
Top CarrotFirst County FCU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How First County FCU’s auto loan rates compare
Compared with banks and credit unions near Muncie, IN, where First County FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First County FCU
4.49%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans ( Cloned )
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
First County FCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
By vehicle
- 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 County FCU 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
Lowest rate offered based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment per $1,000 borrowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Payment $30.82 per $1,000 borrowed. |
| up to 48 months | 4.24% | Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Payment $23.60 per $1,000 borrowed. |
| up to 60 months | 4.49% | Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.39 per $1,000 borrowed. |
| up to 72 months | 4.74% | Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $16.63 per $1,000 borrowed. |
| up to 84 months | 5.49% | Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $14.95 per $1,000 borrowed. |
| up to 36 months | 4.99% | Model Year 2021-2019. Lowest rate based on credit score. Normal lending qualifications apply. Payment $31.17 per $1,000 borrowed. |
| up to 48 months | 5.24% | Model Year 2021-2019. Lowest rate based on credit score. Normal lending qualifications apply. Payment $24.07 per $1,000 borrowed. |
| up to 60 months | 5.24% | Model Year 2021-2019. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.75 per $1,000 borrowed. |
| up to 72 months | 5.74% | Model Year 2021-2019. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $17.12 per $1,000 borrowed. |
| up to 84 months | 6.99% | Model Year 2021-2019. Over 35K. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $15.70 per $1,000 borrowed. |
| up to 36 months | 6.49% | Model Year 2018-2015. Lowest rate based on credit score. Normal lending qualifications apply. Payment $31.88 per $1,000 borrowed. |
| up to 48 months | 7.24% | Model Year 2018-2015. Lowest rate based on credit score. Normal lending qualifications apply. Payment $25.03 per $1,000 borrowed. |
| up to 60 months | 8.49% | Model Year 2018-2015. Lowest rate based on credit score. Normal lending qualifications apply. Payment $21.34 per $1,000 borrowed. |
| up to 48 months | 8.49% | Model Year 2014-2013. Lowest rate based on credit score. Normal lending qualifications apply. Payment $25.64 per $1,000 borrowed. |
| up to 36 months | 8.49% | Older model years. Lowest rate based on credit score. Normal lending qualifications apply. Payment $32.84 per $1,000 borrowed. |
Sources (1)
- firstcountyfcu.org/low-rate-loans/auto-loans · captured Sep 25, 2026
Auto Loans ( Cloned )
Lowest rate offered based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment per $1,000 borrowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.50% | Model Year 2027-2026 BRAND NEW. Lowest rate based on credit score. Normal lending qualifications apply. Payment $29.88 per $1,000 borrowed. |
| up to 48 months | 2.50% | Model Year 2027-2026 BRAND NEW. Lowest rate based on credit score. Normal lending qualifications apply. Payment $22.69 per $1,000 borrowed. |
| up to 60 months | 2.50% | Model Year 2027-2026 BRAND NEW. Lowest rate based on credit score. Normal lending qualifications apply. Payment $18.37 per $1,000 borrowed. |
| up to 72 months | 2.50% | Model Year 2027-2026 BRAND NEW. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $15.50 per $1,000 borrowed. |
| up to 84 months | 4.99% | Model Year 2027-2026 BRAND NEW. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $14.63 per $1,000 borrowed. |
| up to 36 months | 3.99% | Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $30.56 per $1,000 borrowed. |
| up to 48 months | 3.99% | Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $23.37 per $1,000 borrowed. |
| up to 60 months | 4.49% | Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.30 per $1,000 borrowed. |
| up to 72 months | 4.99% | Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $16.67 per $1,000 borrowed. |
| up to 84 months | 5.99% | Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $15.12 per $1,000 borrowed. |
| up to 36 months | 4.75% | Model Year 2021-2020. Lowest rate based on credit score. Normal lending qualifications apply. Payment $30.91 per $1,000 borrowed. |
| up to 48 months | 4.99% | Model Year 2021-2020. Lowest rate based on credit score. Normal lending qualifications apply. Payment $23.84 per $1,000 borrowed. |
| up to 60 months | 5.25% | Model Year 2021-2020. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.66 per $1,000 borrowed. |
| up to 72 months | 5.75% | Model Year 2021-2020. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $17.04 per $1,000 borrowed. |
| up to 84 months | 6.75% | Model Year 2021-2020. Over 35K. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $15.50 per $1,000 borrowed. |
| up to 36 months | 6.25% | Model Year 2019-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $31.61 per $1,000 borrowed. |
| up to 48 months | 6.50% | Model Year 2019-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $24.55 per $1,000 borrowed. |
| up to 60 months | 6.99% | Model Year 2019-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $20.50 per $1,000 borrowed. |
| up to 36 months | 6.99% | Model Year 2015-2013. Lowest rate based on credit score. Normal lending qualifications apply. Payment $31.96 per $1,000 borrowed. |
| up to 48 months | 6.99% | Model Year 2015-2013. Lowest rate based on credit score. Normal lending qualifications apply. Payment $24.79 per $1,000 borrowed. |
| up to 36 months | 8.25% | Older model years. Lowest rate based on credit score. Normal lending qualifications apply. Payment $32.56 per $1,000 borrowed. |
Sources (1)
- firstcountyfcu.org/low-rate-loans/auto-loans-cloned · captured Sep 25, 2026
Auto Loans ( Cloned ) ( Cloned )
Lowest rate offered based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment per $1,000 borrowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Model Year 2026-2023. Lowest rate based on credit score. Normal lending qualifications apply. Payment $29.86 per $1,000 borrowed. |
| up to 48 months | 4.75% | Model Year 2026-2023. Lowest rate based on credit score. Normal lending qualifications apply. Payment $23.01 per $1,000 borrowed. |
| up to 60 months | 4.99% | Model Year 2026-2023. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.85 per $1,000 borrowed. |
| up to 72 months | 5.25% | Model Year 2026-2023. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $16.30 per $1,000 borrowed. |
| up to 84 months | 6.49% | Model Year 2026-2023. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $14.93 per $1,000 borrowed. |
| up to 36 months | 5.25% | Model Year 2022-2021. Lowest rate based on credit score. Normal lending qualifications apply. Payment $30.22 per $1,000 borrowed. |
| up to 48 months | 5.49% | Model Year 2022-2021. Lowest rate based on credit score. Normal lending qualifications apply. Payment $23.36 per $1,000 borrowed. |
| up to 60 months | 5.75% | Model Year 2022-2021. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.32 per $1,000 borrowed. |
| up to 72 months | 5.99% | Model Year 2022-2021. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $16.66 per $1,000 borrowed. |
| up to 84 months | 6.99% | Model Year 2022-2021. Over 35K. Lowest rate based on credit score. Normal lending qualifications apply. Longer terms require a $20,000 minimum balance. Payment $15.18 per $1,000 borrowed. |
| up to 36 months | 6.49% | Model Year 2020-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $30.82 per $1,000 borrowed. |
| up to 48 months | 6.99% | Model Year 2020-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $24.09 per $1,000 borrowed. |
| up to 60 months | 7.49% | Model Year 2020-2016. Lowest rate based on credit score. Normal lending qualifications apply. Payment $20.16 per $1,000 borrowed. |
| up to 48 months | 7.49% | Model Year 2015-2013. Lowest rate based on credit score. Normal lending qualifications apply. Payment $24.33 per $1,000 borrowed. |
| up to 36 months | 8.49% | Older model years. Lowest rate based on credit score. Normal lending qualifications apply. Payment $31.79 per $1,000 borrowed. |
Sources (1)
- firstcountyfcu.org/low-rate-lo…auto-loans-cloned-cloned · captured Sep 25, 2026
Who can join First County FCU
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 goes to church in Delaware County (or Muncie), Indiana.
Membership information collected October 5, 2026.