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Loan Rates

Car Loan Rates

Rates are effective July 2, 2018 and are subject to change after that without notice.

* Annual Percentage Rate (APR) is based on creditworthiness and is our best rate. Advertised rates are subject to change. Loan Example: $10,000.00 at 3.50% APR; 60 Monthly payments of approximately $181.92.
**2017 models must have less than 25,000 miles to be considered new.

  • Used vehicles 2014 – 2017 model years. Will loan up to Retail Value in NADA Guide, 6 year Maximum Loan Term. Rate is 0.50% above the listed new auto rate.
  • Used Vehicles 2010 – 2013. Will loan up to 115% of Trade Value in the NADA Guide, 6 year Maximum Loan Term. Rate is 0.75% above the listed new auto rate.  Loan-to-value subject to certain criteria.
  • Used vehicles 2009 & older. Will loan up to 115% of Loan Value in NADA Guide, 5 year Maximum Loan Term. Rate is 1.50% above the listed new auto rate.  Loan-to-value subject to certain criteria.

Rates are based on individual credit score. Your actual rate may vary.

(FCFCU cannot be held liable for typographical errors should they occur.)

⚠️ Fraud Alert ⚠️ Fake Check Scam: If you have received a cashier’s check that appears to be drawn on First Castle Federal Credit Union, do not deposit the check. Do not send any money that may be indicated in the instructions with the check. The cashier’s check may be a counterfeit cashier’s check. Contact us at (985) 867-8867 to report receipt of the check and to verify its authenticity. Do not call any phone numbers that came with the check. Save any form of evidence associated with the check (i.e. package label, letters, text messages).
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