Summer Simplified.
Lower You Rate. No Payments Until Sepetember 2026.
Refinance your auto loan from another lender and reduce your monthly payments. Our auto refinance options are designed to help you save money, improve cash flow, and enjoy payment flexibility.
Refinance your auto loan from another lender and save this summer.
Now through June 30, 2026 - Apply Now
GAP
Protect the investment you made in your vehicle from substantial loss.
CARFAX
Protect yourself with a discounted CARFAX report for only $19.95. Members who finance the vehicle with us will be refunded up to 10 CARFAX reports purchased through FCCU.
Extended Warranties
Our Mechanical Breakdown Protection Plans and Guaranteed Asset Protection keep you safely on the road.
Insurance
In the case of unexpected events, First Community can help you lighten the load for the people you care about most in the case of unexpected life events or disability.
Member Auto Center
We've partnered with Member Auto Center to give you the control when choosing a new vehicle.
Payment Services
With multiple payment options, you're in control to pay your loans the way you want.
APR = Annual Percentage Rate. Certain credit criteria apply for lowest rate quoted and no payments until September 2026 for eligible members only. Interest will continue to accrue during the deferral period. Rates and terms subject to change. Lowest rate quoted includes all applicable discounts. Rates may differ based on borrower creditworthiness. Rate quoted is valid for consumer 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%. Rate as low as 3.99% APR is valid for 36 months only. 36 months @ 3.99% APR - $29.58 per $1,000 borrowed. Rates as low as 4.09% APR are valid up to 48 months only. 48 months @ 4.09% APR - $22.62 per $1,000 borrowed. Loans with a term greater than 60 months will be approved at a higher rate. Vehicles 12 years and older or with mileage of 150K+ will be charged a 2.0% higher rate. 84-month term applies to vehicle model years 2024 or newer and must be a minimum of $30,000 financed. 96-month term applies to model years 2025 or newer and must be a minimum of $50,000 financed. FCCU refinances and business vehicle loans are not eligible. Valid for consumer vehicle refinance loans from another lender with FCCU only. Loans funded through any third-party dealer are not eligible. Cannot be combined with any other offers. Offer valid Friday, May 01 – Saturday, May 30, 2026 only. Loan must be approved on or before May 30 and be funded no later than Saturday, June 06, 2026 by 7pm CST to be eligible for this promotion. Applications submitted after business hours may not be decisioned until the next business day. Business days are considered Monday - Friday 9am - 7pm CST. Minimum $5 Savings account must be established for membership. Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, fccu.org/counties, any person employed by a Select Employee Group, fccu.org/seg-list, or any relative or family member of an FCCU member or employee.