Already Have a FirstCCU Auto Loan and Found a Better Rate?

Call us before you move your loan. If you found a lower rate somewhere else, we can look at your FirstCCU loan and see what options may be available.

Moving your loan to a new lender can mean more forms, a new payoff, and new lien or title paperwork. We may be able to help with fewer steps.

Did you get your FirstCCU loan at a car dealership? That is still a FirstCCU loan. Give us a call before you refinance it somewhere else.

Can Refinancing Your Car Loan Save You Money?

It could. A lower rate may lower your monthly payment and help you pay less interest.

How much you could save depends on your current loan, your rate, how much you still owe, and how long you have left to pay it.

Use our Auto Refi Calculator to compare your current loan with a FirstCCU refinance.

What Can You Finance with FirstCCU?

First Community Credit Union offers loans for new and used cars, trucks, SUVs, motorcycles, boats, RVs, and other recreational vehicles.

We also offer GAP+, Mechanical Repair Coverage, and Debt Protection that may be added to eligible loans.

Want to know what your payment could be? Use our Auto Loan Calculator.

Have a FirstCCU checking account? You may qualify for an auto loan rate discount.

Auto Refinance Example: Lower Payment, Lower Rate, Save on Interest**

Can refinancing your auto loan with a credit union help lower your monthly car payment and save money on interest? In this example, yes. Refinancing with FirstCCU lowered the monthly payment by $101.27 and resulted in more than $3,600 in estimated interest savings.

Loan Rate Term Monthly Payment
Current Auto Loan at Other Lender 11.19% APR 36 months $984.86
Auto Refinance with FirstCCU 3.84% APR 36 months $883.59

In this example, refinancing lowered the monthly payment from $984.86 to $883.59 — a savings of $101.27 each month.

Over 36 months, the estimated interest savings are $3,645.72.

This is why it can be worth comparing your current auto loan with a FirstCCU auto refinance option: a lower rate could mean a lower monthly payment and thousands of dollars in interest savings over the life of the loan.

Auto Loan rates as low as  3.84% APR* for 36 months

Compare your current auto loan rate, term, and payment before you refinance

Refinancing could lower your monthly payment by $200 or more

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit on Park Ave or Willowbrook Rd, Janesville, and Monroe, Wisconsin and Freeport, Rockford on Riverside Dr or State St., Belvidere, and Roscoe, Illinois.


*Annual Percentage Rate. Rate and length of term may vary by model. Other credit qualifications may apply. Rates subject to change and based on creditworthiness.

**Auto refinance savings example is based on a $30,000 existing auto loan with 36 months remaining at 11.19% APR and a monthly payment of $984.86. Refinancing the same $30,000 for 36 months at FirstCCU's 3.84% APR results in an estimated monthly payment of $883.59, a monthly payment reduction of $101.27 and estimated interest savings of $3,645.72 over 36 months. The 11.19% APR is the average used-vehicle loan APR reported by Experian for Q2 2026. Actual savings will vary based on your current loan balance, APR, remaining term, refinance term, vehicle, credit qualifications, and other underwriting factors. The 3.84% APR is FirstCCU's lowest advertised auto refinance rate effective October 1, 2026, available on 36-month terms for qualifying 2020 or newer vehicles and qualified borrowers. Minimum 690 credit score required. New money only. Existing FirstCCU loans are not eligible for this refinance offer. Membership eligibility and other restrictions apply. Rates, terms, and offers are subject to change without notice. See our Auto Refinance Savings Example for full details.