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.
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.
- 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
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. (NMLS #631072)
*ANNUAL PERCENTAGE RATE of 1.875% applies to a fixed rate advance made under the home equity line of credit agreement ("HELOC") with a maximum 7-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 3.00%. APR is based on the Wall Street Journal Prime Rate, minus 0.25%. The maximum variable rate adjustment is 2% annually and 5% for the life of the loan. The interest rate index is floored at 3.25%. 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.
- Rates as low as 1.875%APR*
- Draw funds for up to 5 years
- No origination or application fees
*ANNUAL PERCENTAGE RATE of 1.875% applies to a fixed rate advance made under the home equity line of credit agreement ("HELOC") with a maximum 7-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 3.00%. APR is based on the Wall Street Journal Prime Rate, minus 0.25%. The maximum variable rate adjustment is 2% annually and 5% for the life of the loan. The interest rate index is floored at 3.25%. 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.