Car Loan Rates

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

Rate APR* Term (Months)
New Auto – 2017** and Newer Models Rates as low as 2.25% 2.25% 36
New Auto – 2017** and Newer Models Rates as low as 2.75% 2.75% 48
New Auto – 2017** and Newer Models Rates as low as 3.10% 3.10% 60
New Auto – 2017** and Newer Models Rates as low as 3.45% 3.45% 72

* 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.)