Auto, Vehicle & Recreational Loan Rates

Current as of 4/18/2021

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  Type Term (month) Fixed Rate APR1 Variable Rate APR1
Automobiles² New 24-84 1.59% - 12.89% N/A
Automobiles² Used 24-84 1.59% - 12.89% N/A
Boat, Motor and Trailer³ New 24-180 3.99% - 15.24% N/A
Boat, Motor and Trailer³ Used 24-180 3.99% - 15.24% N/A
Campers³ New 24-180 3.99% - 15.24% N/A
Campers³ Used 24-180 3.99% - 15.24% N/A
Motor Homes & RVs³ New 24-180 3.99% - 15.24% N/A
Motor Homes & RVs³ Used 24-180 3.99% - 15.24% N/A
Motorcycles³ New 24-84 4.19% - 15.24% N/A
Motorcycles³ Used 24-84 4.19% - 15.24% N/A
Other Secured Loans Shared Secured 36-60 4.24% - 4.74% N/A
Other Secured Loans Shared Secured: Single Payment 12-12 5.99% - 5.99% N/A
Other Secured Loans CD Secured Term of CD 2% above CD rate N/A
Personal³ N/A 24-60 6.49% - 17.49% N/A
Credit Cards⁴ Visa Rewards (including Secured) open 9.99% - 17.99% Non-Variable N/A
Mobile Homes New 24-180 3.99% - 15.24% N/A
Mobile Homes Used 24-180 3.99% - 15.24% N/A
Line of Credit RediCash open N/A 10.00%
Line of Credit RediCash Plus open N/A 10.00%

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 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 60 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%.

3Rates quoted on these loans include the following: 1) 0.50% off for purchase of credit life and disability insurance coverage; 2) 0.20% off with First Rewards Checking; 3) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 0.50%. 60 months @ 5.99% APR = monthly payment of $19.38 per $1,000 borrowed.

4For complete rate and pricing, click here.


UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO: Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION: On the basis of race, color, national origin, religion, sex, marital status, or age;Because income is from public assistance; or because a right was exercised under the Consumer Credit Protection Act