Credit union · NCUA insured
First Service Credit Union Auto Loan Rates
Top CarrotFirst Service 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 Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where First Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Service Credit Union
3.99%APR
- Terms
- 36–84 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
First Service Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- 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.
Where First Service 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 Loan
New and used auto purchase and refinance loans. Rates advertised include discounts of up to 90 basis points with purchase of GAP, Warranty, and payment protection products. APR cannot be discounted below 3.99%. Vehicles more than 6 model years in age or with mileage 100,000 miles or more subject to additional 100 basis points.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.99% | As low as rate for 36-84 months. Rate includes discounts up to 90 bps for protection products; vehicles > 6 model years or >= 100,000 miles add 100 bps. |
Sources (2)
- fscu.com/personal/credit-cards…loans/vehicle-loans/auto
- fscu.com/resources/member-benefits/rates-service-charges
All captured Oct 6, 2026
Motorsports Vehicle Loan
Financing for motorcycles, golf carts, ATVs, jet skis, and more. New vehicle loan up to 100% purchase price; used vehicle up to 100% JD Power retail value. Rates reflect discount of 50 basis points for purchase of GAP and payment protection. Vehicles > 6 model years or >= 100,000 miles add 100 basis points.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.55% | New/used vehicles more than 6 model years old or with mileage 100,000+ will be subject to an additional 100 basis points on the rate; discount of 50bp for purchase of GAP and payment protection products. |
Sources (2)
- fscu.com/personal/credit-cards…vehicle-loans/motorsport
- fscu.com/resources/member-benefits/rates-service-charges
All captured Oct 6, 2026
Move My Auto Loan
Refinance auto loan. Enjoy up to 90 days with no payments.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.99% | Rates as low as 3.99% APR for terms from 36 to 84 months. |
Sources (1)
- fscu.com/move-my-auto-loan/refinance · captured Oct 6, 2026
Who can join First Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or study in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD are eligible for membership.
Employers and groups
- Employees of select employee groups including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan are eligible for membership.
Family and household
- Individuals related to an existing First Service member are eligible for membership.
Other ways
- Individuals who make a donation to the You First Foundation are eligible for membership.
Membership information collected October 5, 2026.