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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

2020-2023

Up to 36 months 4.69%
Up to 72 months 5.19%
Up to 84 months 5.99%
New, < 10,000 Miles, or Elite Classics Up to 96 months 7.19%
New Corvette & High-End Elite Up to 120 mo 7.19%
2017-2019 & Classic Cars Up to 72 months
Up to 84 months
(< 70,000 miles)
6.19%
2014-2016 Up to 66 months 6.89%
2011-2013 Up to 48 months 8.19%
2010 and Older Up to 36 months 13.20%

Recreational Vehicles

2020-2023

 

Up to 36 months 5.19%
Up to 84 months 6.69%
2018-2019 up to 72 months 6.69%
2014-2017 up to 60 months 8.19%

Travel Trailers & Boats

2018-2019

up to 108 months 7.69%

2020-2023

up to 144 months 8.19%

New Only
$35,000 Min 10% Down

up to 180 months 9.19%
*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 December 1, 2022.
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.

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 6.250% 6.408%
20 Year 6.375% 6.376%
30 Year 5.750% 5.843%
*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.

ARMS

Term Rate APR* as low as
3/1 4.875% 4.832%
5/1 5.125% 5.080%
7/1 5.375% 5.328%
*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

No Closing Costs

Up to 120 months 5.125%
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 October 1, 2022.

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Apply for Home Equity Line of Credit (HELOC)


Credit Cards read more

Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

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Mobile Banking read more

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