Loan Rates
First Community Credit Union Loan Rates
View all of our loan rates or contact a local member service representative for more information.
Secured Loan Rates
| Year | Terms | APR* as low as |
|---|---|---|
Automobiles |
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2018-2021
($25,000 minimum) |
Up to 60 months | 2.49% |
| Up to 72 months | 2.49% | |
| Up to 84 months | 3.49% | |
| 2014-2017 | Up to 72 months | 2.49% |
| 2012-2013 | Up to 60 months | 3.49% |
| 2010-2011 | Up to 48 months | 5.49% |
Recreational Vehicles |
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2018-2020
|
Up to 60 months | 3.99% |
| Up to 72 months | 4.49% | |
| 2016-2017 | up to 72 months | 4.49% |
| 2010-2015 | up to 48 months | 6.49% |
Travel Trailers & Boats |
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2018-2020($30,000 min & 10% down) |
up to 96 months | 5.49% |
| up to 180 months | 6.49% | |
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*Annual Percentage Rate. Rate and length of term may vary by year and mileage. Rates above include .50% discount for preferred members, see MSR for details. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. APR effective as of December 1, 2020. |
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| Type | Terms | APR* as low as |
| Share Secured | Up to 48 months | +3.00% over regular share rate |
| Unsecured Term | Up to 48 months | 7.99% |
| *Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. Rates effective as of November 15, 2020. | ||
Lines of Credit (LOC)
| Type | APR* as low as | |
|---|---|---|
| Kwik Cash (Unsecured LOC) | Fixed-Rate | 9.99% |
| VISA Credit Card | Fixed-Rate | 9.99% |
| *Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. Rates effective as of November 1, 2020. | ||
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First Mortgage Loans and Refinances
Due to the nature of mortgage rates, please visit our mortgage page and contact one of our mortgage specialists for rates.
Home Equity Products
| Type | Terms | APR* as low as |
|---|---|---|
|
Home Equity Loan Fixed-Rate No Closing Costs |
Up to 60 months | 3.75% |
| Up to 120 months | 3.99% | |
| Home Equity Line of Credit (HELOC) | Up to 120 months | WSJ Prime -.5%** |
|
*Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. **Based on the Wall Street Journal Prime rate plus a disclosed margin. Rates effective as of December 1, 2020. |
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