This Saturday, August 15th, Bill Pay will be down starting at 1pm and Online Banking will be down from 3-7pm for scheduled maintenance.

Umpqua Bank Customer FAQs: Important changes effective August 14th (John Day, Burns, and Lakeview Locations)


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New & Used Auto Loans

Ready to shop for a new automobile? We will help ensure you receive the lowest rates and most affordable options. Apply for a loan today to get pre-approved before you shop. At the dealership, let them know your financing needs are already taken care of and you are approved for a loan at First Community Credit Union. Once pre-approved, use our Car Buying Service to save time and money at the dealership. Search real pricing on local dealer inventory now.
  • Rates as low as 1.49%APR* for 48 months
  • Refinance your vehicle to save money and lower your payment
  • Up to 100% financing on new and used vehicles
  • No application fee
Financing also available for RVs, Boats, Motorcycles, ATVs and Travel Trailers.

We also offer complete auto insurance through our agency right here at First Community. Get a free quote today!

*THE ANNUAL PERCENTAGE RATE of 1.49% for 48 months applies to automobiles with a model year five years past the current model year or newer with less than 100,000 miles; monthly payments are estimated at $21.48 per $1,000 financed with no down payment. The APR, repayment period and loan-to-value limits are based on creditworthiness, loan amount and collateral. Rates may change without notice. Some restrictions may apply.

Home Equity Lines of Credit

Tap into your home’s equity with a First Community home equity line-of-credit. Enjoy flexibility and access to your money on your terms.
  • Rates as low as 4.00%APR*
  • Draw funds for up to 5 years
  • No origination or application fees
Apply for a loan today to get started!

*ANNUAL PERCENTAGE RATE of 4.00% applies to a fixed rate advance made under the home equity line of credit agreement ("HELOC") with a maximum 15-year repayment term, 50% loan-to-value (“LTV”) ratio and minimum FICO score of 740. These terms apply only to HELOCs secured by a senior lien trust deed. This HELOC has a fixed rate conversion option. Borrowers may convert all or part of their variable rate ("revolving") balance to a fixed rate with repayment terms up to 25 years. The APR on any revolving balance portion is variable and is currently as low as 4.00%. The maximum variable rate adjustment is 2% annually and 5% for the life of the loan. The fixed and variable APR each member pays will vary based on lien position, LTV and FICO score. Third party fees range from $260-$1,300 for credit limits of $50,000. Rates and terms are available for LTV ratios up to 70%. Rates are subject to change without notice. All HELOCs are subject to credit approval.