Fire up the Savings this Summer

Rates as low as 1.59% APR1

We believe no one should overpay for their auto. That's why our rates are as low as 1.59% APR1

Win $1,500 Cash2 too

(3 Winners)

  • $0 Down1
  • $0 Prepayment Penalty
  • No payments up to 90 days1
  • Loan application responses in 10 minutes or less! 3
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Promo code SUMMER21

Purchase a new ride or Refinance your current auto loan from another financial institution with us to save on your monthly payment and enjoy extra summer cash in your pocket!

You may not have found the perfect vehicle yet, but applying or getting pre-qualified shows dealers you are a serious and capable buyer. Get started online!

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Our members enjoy great rates.

Great rates from First Community help our members save on auto loans. Wondering how much vehicle you can handle, or how interest rates and terms might impact your payment?

See Auto Loan rates & Calculators

1APR = Annual Percentage Rate. Certain credit criteria apply for lowest rate quoted. Rates and terms subject to change. Rate quoted is valid for auto loans and includes 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 First Rewards Checking; 5) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 1.00%APR. Rate as low as 1.59% APR is valid up to 48 months only. 48 months @ 1.59% APR = monthly payment of $21.48 per $1,000 borrowed. Loans with a term over 75 months will be approved at a higher rate. Vehicles 8 years and older will be charged a 2.0% higher rate. Floor Rate for vehicles is 1.59% for 48 months. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed. Valid for consumer vehicle loans funded directly through FCCU only. Loans funded through any third party dealer are not eligible. FCCU refinances are not eligible. Offer valid May 24th – September 7th only. Loan must be funded no later than Friday, September 10, 2021 by 7pm to be eligible for this promotion. Cannot be combined with any other offers.
2Members who finance a new auto or refinance their current auto loan from another financial institution during the promotion timeframe will automatically be entered to win one of three prizes of $1,500 Cash. No purchase necessary. Must be 18 years of age to enter. $1,500 Cash is non-transferable. To enter without opening a new auto loan, you may send in a 3x5 index card with your name, address, phone number, and email address to First Community Credit Union, Attn: Marketing, P.O. Box 840129, Houston, TX 77284-0129. One entry per person. One card will enter person in all drawings. Any prize won and accepted with a value of $600 or more will be subject to 1099-MISC reporting.
3Applications submitted after business hours may not be decisioned until the next business day. Business days are considered Monday - Friday 9am - 7pm.
Contest Rules

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