Auto Loans

1st Community Federal Credit Union is the #1 Local Auto Lender. New, Used or Refinanced non-commercial passenger automobiles and pick-up trucks (up to 1 ton capacity). Does not apply to collateral currently financed by 1CFCU or loans financed by 1CFCU at the dealership. APR-Annual Percentage Rate can be as low as 1.99%. Membership eligibility and credit approval required. Rates and terms are subject to change without prior notice.
 

New & Used Auto Loans

Loan TypeTerm:Maximum Amount Financed:APR as low as:
New Automobiles & Light Trucks (current or prior model year)36 mos.
60 mos.
72 mos.
up to MSRP (Manufacturer’s Suggested Retail Price) plus Sales Tax, License & Title Fees1.99%
1.99%
2.24%
Used Automobiles & Light Trucks (any vehicle that does not meet definition of “New”)36 mos.
60 mos.
72 mos.
up to NADA Retail plus Sales Tax, License & Title Fees1.99%
2.49%
2.99%
  Apply Now  
  • Click Here for FREE NADA Pricing Guide Information on new autos
  • Click Here for FREE NADA Pricing Guide Information on used autos
  • Pre-Approval letter can help you save money when shopping for your auto
  • Purchase your auto and finance with 1st Community Federal Credit Union without leaving one of our participating dealers
  • Refinance that auto you have financed elsewhere at these LOWER rates
  • Driving Sense – Find out how to drive more car with less payment (see Balloon Payment)
  • Easy Payment Options
  • Simple Interest
  • GAP (Guaranteed Auto Protection) Waiver – covers the difference between the loan balance and the insurance settlement in the event of a total loss or unrecovered theft. Up to $1000 of the deductible is covered.
  • Vehicle Service Contract – a vehicle service contract that acts like a new car warranty; may be purchased separately or added to your loan; available on new and used vehicles, extending the protection beyond your manufacturer’s warranty. Can be purchased at any time on qualifying vehicles and can be added to the current loan or purchased separately
  • Credit Life Insurance available
  • Credit Disability Insurance available
  • Involuntary Unemployment Insurance available
  • Click here for insurance products to protect your vehicle
* Rates “as LOW as” includes discounts of .50% APR. Contact the Lending Department for details.

Rates based on approved credit.   All Rates and Terms are subject to change without notice. We are an Equal Credit Opportunity Lender and an Equal Housing Lender.   Member NCUA.   APR – Annual Percentage Rate