Auto, Vehicle & Recreational Loan Rates

Current as of 7/4/2020

Refresh your browser window to ensure that you are viewing the most current rates

  Type Term (month) Fixed Rate APR1 Variable Rate APR1
Automobiles² New 24-84 2.14% - 11.99% N/A
Automobiles² Used 24-84 2.14% - 11.99% 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
Motorcycles³ New 24-84 4.19% - 15.24% N/A
Motorcycles³ Used 24-84 4.19% - 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
Mobile Homes New 24-180 3.99% - 15.24% N/A
Mobile Homes Used 24-180 3.99% - 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
Line of Credit RediCash open N/A 10.00%
Line of Credit RediCash Plus open N/A 10.00%
Credit Cards Visa Rewards (including Secured) open 9.99% - 17.99% Non-Variable N/A

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. 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. 

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 either First Rewards Checking or Texans Checking; 3) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 0.50%.


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