Rates & Calculators

Resources for your auto loan needs.

Great rates from First Community help our members save on auto loans. We offer full financing options on new and used vehicles — plus go payment-free for 90 days, and even request our Skip-A-Pay service up to twice each year!

Calculate an Auto Loan payment.

Wondering how much vehicle you can handle, or how interest rates and terms impact your payment? Take a look at our calculators.

  Type Term (month) Fixed Rate APR1 Variable Rate APR1
Automobiles² New 24-84 1.99% - 11.99% N/A
Automobiles² Used 24-84 1.99% - 11.99% N/A

Get pre-qualified or apply online.

Have you spotted the vehicle you want? Applying or getting pre-qualified ahead of negotiations shows dealers you are a serious and capable buyer. Get started online!

Buying and selling resources.

Struggling to find the right vehicle or the right deal? Let us help you out with our arsenal of auto buying tools. We'll let you in on the secrets to give you the ultimate negotiation power!

Need some expert advice?

Our Vehicle Team can help you get moving. Call 281.856.5300 or 800.456.3228, or email us at info@fccu.org for more information. We'll get you on the road.

1APR = Annual Percentage Rate. Certain credit criteria apply for all loans..
2Rates quoted on these loans include a combination of the following 1) 0.50% off for purchase of credit life and disability insurance coverage; 2) 0.25% off for purchase of an extended service contract; 3) 0.25% off for FCCU Existing Open Auto Loan;  4) 0.20% off with either First Rewards Checking or Texans Checking; 5) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 1.00%APR. Loans with a term over 60 months will be approved at a higher rate.  75 months @ 1.99% APR = monthly payment of $14.21 per $1,000 borrowed. Vehicles 8 years and older will be charged a 2.0% higher rate.  Floor Rate for vehicles is 1.99%. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed. 

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