Bank · FDIC insured
First Security Bank & Trust Auto Loan Rates
First Security Bank & Trust auto loans start at 5.53% APR for a new vehicle and 5.53% for a used one. Rates checked October 16, 2026.
How First Security Bank & Trust’s auto loan rates compare
Compared with banks and credit unions near Mason City, IA, where First Security Bank & Trust has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First Security Bank & Trust
5.53%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
CENT Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Iowa Heartland Credit Union
5.25%APR
- Terms
- —
- Discount
- None included
First Security Bank & Trust auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.53%
- Used vehicleUsed5.53%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Security Bank & Trust ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Low interest financing for new or used cars, trucks and more. Minimum loan amount is $2,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.53% | Model Year: 2026 to 2027. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 72 months | 5.55% | Model Year: 2024 or Newer. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 60 months | 5.58% | Model Year: 2024 or Newer. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 48 months | 5.61% | Model Year: 2024 or Newer. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 36 months | 5.67% | Model Year: 2024 or Newer. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 60 months | 6.23% | Model Year: 2023 to 2017. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 48 months | 6.26% | Model Year: 2023 to 2017. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 36 months | 6.32% | Model Year: 2023 to 2017. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
| up to 36 months | 7.90% | Model Year: 2016 or Older. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. |
Sources (3)
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.