Loan Rates
First Community Credit Union Loan Rates
View all of our loan rates or contact a local member service representative for more information.
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Secured Loan Rates
| Year | Terms | APR* as low as |
|---|---|---|
Automobiles and Touring Bikes |
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2021-2023 |
Up to 36 months | 6.39% |
| Up to 72 months | 6.89% | |
| Up to 84 months | 7.69% | |
| New, < 10,000 Miles, or Elite Classics | Up to 96 months | 8.89% |
| New Corvette & High-End Elite | Up to 120 mo | 8.89% |
| 2016-2020 & Classic Cars | Up to 72 months Up to 84 months (< 70,000 miles) |
7.89% |
| 2014-2015 | Up to 60 months | 8.39% |
| 2012-2013 | Up to 48 months | 9.39% |
| 2011 and Older | Up to 36 months | 13.89% |
Recreational Vehicles |
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2021-2023
|
Up to 36 months | 6.89% |
| Up to 84 months | 8.39% | |
| 2019-2020 | up to 72 months | 8.39% |
| 2015-2018 | up to 60 months | 9.69% |
Travel Trailers & Boats |
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2019-2020 |
up to 108 months | 9.39% |
2021-2023 |
up to 144 months | 9.89% |
New Only
|
up to 180 months | 9.89% |
*Annual Percentage Rate. Rate and length of term may vary by year and mileage. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. APR effective as of October 1, 2023. |
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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 | 10.99% |
*Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on creditworthiness. Rates effective as of July 29, 2022. |
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Lines of Credit (LOC)
| Type | APR* as low as | |
|---|---|---|
| Kwik Cash (Unsecured LOC) | Fixed-Rate | 10.99% |
| 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 June 27, 2021. |
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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.
Fixed
| Term | Rate | APR* as low as |
|---|---|---|
| 15 Year |
6.750% |
6.951% |
| 20 Year | 6.875% | 7.037% |
| 30 Year | 6.750% | 6.873% |
*Annual Percentage Rate. Rates are subject to change. Rates & APR Featured Rate loans have 45-day rate lock periods. Fixed and Adjustable Rate Loans – Displayed rates assume a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740. Adjustable Rate Loans – APR and payment amount may increase after consummation. Loan is subject to credit approval and actual rate is based on applicant’s credit history and term of loan. Credit Union membership necessary. |
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ARMS
| Term | Rate | APR* as low as |
|---|---|---|
| 3/1 | 6.250% | 5.316% |
| 5/1 | 6.500% | 5.567% |
| 7/1 | 6.750% | 5.818% |
*Annual Percentage Rate. Rates are subject to change. Rates & APR Featured Rate loans have 45-day rate lock periods. Fixed and Adjustable Rate Loans – Displayed rates assume a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740. Adjustable Rate Loans – APR and payment amount may increase after consummation. Loan is subject to credit approval and actual rate is based on applicant’s credit history and term of loan. Credit Union membership necessary.ARM Loans - Interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest and monthly payments may increase. |
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Home Equity Products
| Type | Terms | APR* as low as |
|---|---|---|
|
Home Equity Loan Fixed-Rate - 5 year |
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| Up to 120 months | 6.375% | |
|
Home Equity Loan Fixed-Rate - 10 year |
Up to 120 months | 7.250% |
| 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 May 31, 2023. |
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Apply for Home Equity Line of Credit (HELOC)
Federally insured by the National Credit Union Administration (NCUA)