Loan Rates

WE HAVE MONEY TO LOAN – 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 Loan protection products are just another reason 1st Community has been voted “BEST Credit Union” for the past 25 years! The rates contained in this schedule are accurate as of 10-01-24. For current information call the Credit Union at (325)653-1465 or (800)749-1465. This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to your accounts at 1st Community Federal Credit Union.

Personal Loan Special for ANY Purpose – Vacation, Graduation, School, Home Improvements, Taxes, Bills – whatever you need.

  • up to $10,000 / maximum 12 months / 9.00% APR / $86.54 per $1000 financed
  • $5001-$10,000 / maximum 18 months / 9.75% APR / $59.03 per $1000 financed
  • $5001 – $10,000 / maximum 24 months / 10.50% APR / $45.46 per $1000 financed
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Rates Effective Date October 1, 2024
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 TypeTerm:APR as low as:Payment per $1,000
New Automobiles & Light Trucks36 mos.
60 mos.
72 mos.
6.49%
6.74%
6.99%
30.65
19.69
17.05
Used Automobiles & Light Trucks36 mos.
60 mos.
72 mos.
6.49%
7.24%
7.74%
30.65
19.93
17.42
New Automobiles & Light Trucks Balloon Payment63 mos.8.49%
Used Automobiles & Light Trucks Balloon Payment63 mos.8.49%
New Boats/Motors/Trailers60 mos.
72 mos.
7.75%
8.50%
20.17
17.79
Used Boats/Motors/Trailers48 mos.
60 mos.
8.25%
8.25%
24.54
20.41
New Motor Home/Travel Trailers/RVs84 mos.
180 mos.
8.50%
9.25%
15.85
10.30
Used Motor Home/Travel Trailers / RVs84 mos.
180 mos.
8.75%
9.75%
15.97
10.60
New Motorcycles / ATVs48 mos.
60 mos.
7.75%
7.75%
24.31
20.17
Used Motorcycles / ATVs48 mos.
60 mos.
8.25%
8.25%
24.54
20.41

Home Equity, Home Improvement, Mortgage & Real Estate

Loan Type:Term:APR as low as:Payment per $1,000
Home Equity (lien on property)180 mos.Rates change weekly.
All Purpose No Lien60 mos.10.49%21.50
Home Improvement180 mos.Rates change weekly
No Lien Home Improvement60 mos.7.99%20.28
Interim Construction12 mos.9.50%7.91 (interest only payments based on simple interest)
Any Purpose Unimproved Real Estate84 mos.
180 mos.
7.50%
8.50%
15.35
9.86
Lot Purchase60 mos.
180 mos.
7.00%
8.50%
19.81
9.86
Purchase or Refinance Mortgage180 mos.Rates Change Weekly
1st Solutions Mortgage 80/20180 mos.Rates Change Weekly
Purchase or Refinance (Member First Mortgage)360 mos.Rates Change Weekly

Personal Loans

Loan Type:Term:APR as low as:Payment per $1,000
"1st Cash" Line of Credit LoansRevolving10.00%$40 with minimum payment of $10
Overdraft Protection from your "1st Cash" Line of Credit36 mos.10.00%32.51
Share (Savings) Secured60 mos.Minimum Rate 2.5%17.75
Term Share Certificate SecuredTerm of Certificate1% above
Certificate rate / Minimum Rate 2.5%
Personal Loan Special $0 - 10,00012 mos.9.00%87.47
Personal Loan Special $5001-10,00018 mos.9.75%59.96
Personal Loan Special $5001-10,00024 mos.10.50%46.39
Personal Loans36 mos.10.50%32.51
Student Loans