1st Community Federal Credit Union offers - New & Used Auto Loans, Home Improvement Loans, Home Equity Loans, Boat / RV / ATV Loans, Mortgage Loans, Lot Purchase Loans, Personal Loans, Credit Cards and more. Great rates, flexible terms, speedy processing and low-cost auto protection products are just another reason 1st Community has been voted "Favorite Credit Union" for the past 18 years!

Holiday (Personal) Loan Special for ANY Purpose - the holidays, Hunting, School, Home Improvements, Taxes, Bills, Vacation - whatever you need

  • up to $10,000 / maximum 12 months / 4.00% APR.
  • $5001-$10,000 /  maximum 18 months / 4.75% APR
  • $5001 - $10,000 / maximum 24 months / 5.50% APR




Rates Effective Date March 24, 2017
Rates based on discounts, terms and approved credit.  All rates subject to change. We are an Equal Credit Opportunity Lender and an Equal Housing Lender.  Member NCUA.  APR - Annual Percentage Rate.

Auto Loan Rates
Loan Type: Term: APR as Low as:

New Automobiles & Light Trucks

36 mos.
60 mos.
72 mos.
1.99%
2.74%
3.49%

Used Automobiles & Light Trucks

36 mos.
60 mos.
72 mos.
1.99%
3.24%
3.99%
New Automobiles & Light Trucks Balloon Payment 63 mos. 3.49%
Used Automobiles & Light Trucks Balloon Payment 63 mos. 3.49%
New Boats / Motors / Trailers 60 mos.
72 mos.
4.75%
5.50%
Used Boats / Motors / Trailers 48 mos.
60 mos.
5.25%
5.25%
New Motor Home / Travel Trailers / RVs 84 mos.
180 mos.
5.50%
6.25%
Used Motor Home/Travel Trailers / RVs 84 mos.
180 mos.
5.75%
6.75%
New Motorcycles / ATVs 48 mos.
60 mos.
4.75%
4.75%
Used Motorcycles / ATVs 48 mos.
60 mos.
5.25%
5.25%
Home Equity, Home Improvement, Mortgage & Real Estate
Loan Type: Term: APR as Low as:
Home Equity (lien on property) 150 mos. Rates change weekly.
All Purpose No Lien 60 mos. 8.99%
Home Equity Line of Credit (HELOC) 180 mos. Variable - 5.00% Floor
Home Improvement 150 mos. Rates change weekly
No Lien Home Improvement 60 mos. 7.49%
Interim Construction 12 mos. 5.25%
Any Purpose Unimproved Real Estate 84 mos.
180 mos.
6.00%
6.25%
Lot Purchase 60 mos.
180 mos.
6.50%
7.25%
Purchase or Refinance Mortgage 150 mos. Rates Change Weekly
1st Solutions Mortgage 80/20 150 mos. Rates Change Weekly
Purchase or Refinance (CU Members Mortgage) 360 mos. Rates Change Weekly
Personal Loans
Loan Type: Term: APR as Low as:
"1st Cash" Line of Credit Loans Revolving 10.00%
Overdraft Protection from your "1st Cash" Line of Credit Revolving 10.00%
Personal 36 mos. 10.50%
Share (Savings) Secured 60 mos. 2% above
Share rate
-minimum 3.00% APR
Term Share Certificate Secured Term of Certificate 2% above
Certificate rate
-minimum 3.00% APR
Holiday (Personal)  Loan Special $0 - 10,000 12 mos. 4.00%
Holiday (Personal) Loan Special $5001-10,000 18 mos. 4.75%
Holiday (Personal) Loan Special $5001-10,000 24 mos. 5.50%
Student Loans