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!
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Fixed Rate APR1
Variable Rate APR1
||2.14% - 11.99%
||2.14% - 11.99%
Calculate an auto loan payments
Wondering how much vehicle you can handle, or how interest rates and terms impact your payment?
Compare Monthly Payment by Term
Use this calculator to see how the term of your vehicle loan can make a big difference in your monthly payment. It can also have a significant impact on the amount of interest you will pay over the course of the loan.
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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. 60 months @ 2.99% APR = monthly payment of $17.99 per $1,000 borrowed. Vehicles 8 years and older will be charged a 2.0% higher rate. Floor Rate for vehicles is 2.99%. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed.