Loan Rates

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 20 years! The rates contained in this schedule are accurate as of 05-25-2018. 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 / 4.00% APR.
  • $5001-$10,000 / maximum 18 months / 4.75% APR
  • $5001 – $10,000 / maximum 24 months / 5.50% APR
Apply NOW  
Rates Effective Date May 25, 2018
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:
New Automobiles & Light Trucks36 mos.
60 mos.
72 mos.
1.99%
1.99%
2.24%
Used Automobiles & Light Trucks36 mos.
60 mos.
72 mos.
1.99%
2.49%
2.99%
New Automobiles & Light Trucks Balloon Payment63 mos.4.49%
Used Automobiles & Light Trucks Balloon Payment63 mos.4.49%
New Boats/Motors/Trailers60 mos.
72 mos.
4.75%
5.50%
Used Boats/Motors/Trailers48 mos.
60 mos.
5.25%
5.25%
New Motor Home/Travel Trailers/RVs84 mos.
180 mos.
5.50%
6.25%
Used Motor Home/Travel Trailers / RVs84 mos.
180 mos.
5.75%
6.75%
New Motorcycles / ATVs48 mos.
60 mos.
4.75%
4.75%
Used Motorcycles / ATVs48 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 property150 mos.Rates change weekly.
All Purpose No Lien60 mos.8.99%
Home Equity Line of Credit (HELOC)180 mos.Variable - 5.00% Floor
Home Improvement150 mos.Rates change weekly
No Lien Home Improvement60 mos.7.49%
Interim Construction12 mos.5.25%
Any Purpose Unimproved Real Estate84 mos.
180 mos.
6.50%
6.50%
Lot Purchase60 mos.
180 mos.
7.00%
7.50%
Purchase or Refinance Mortgage150 mos.Rates Change Weekly
1st Solutions Mortgage 80/20150 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 LoansRevolving10.00%
Overdraft Protection from your "1st Cash" Line of Credit36 mos.10.00%
Share (Savings) Secured60 mos.2% above
Share rate
-minimum 3.00% APR
Term Share Certificate SecuredTerm of Certificate2% above
Certificate rate
-minimum 3.00% APR
Personal Loan Special $0 - 10,00012 mos.4.00%
Personal Loan Special $5001-10,00018 mos.4.75%
Personal Loan Special $5001-10,00024 mos.5.50%
Student Loans