Bank · FDIC insured
First State Bank Auto Loan Rates
Top CarrotFirst State Bank auto loans start at 7.00% APR for a new vehicle. Rates checked October 16, 2026.
How First State Bank’s auto loan rates compare
Compared with banks and credit unions near Ottawa, IL, where First State Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First State Bank
7.00%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First State Bank auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First State Bank 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
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | Vehicle model year: 2025-New |
| up to 54 months | 7.50% | Vehicle model year: 2024 |
| up to 48 months | 7.25% | Vehicle model year: 2024 |
| up to 48 months | 7.75% | Vehicle model year: 2023 |
| up to 48 months | 8.00% | Vehicle model year: 2022 |
| up to 36 months | 8.00% | Vehicle model year: 2021 |
| up to 36 months | 10.50% | Vehicle model year: 2020 and older |
Sources (2)
- firststatebank.biz/Services-Tools/Tools/Rates
- firststatebank.biz/Loans-Credi…nal-Loans/Personal-Loans
All captured Oct 6, 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.