New or Refifance with rates as low as 

1.69% APR¹

¹APR = Annual Percentage Rate. Rates and terms subject to change without notice. Certain credit criteria apply for lowest rate quoted and up to 90 days no payment. Lowest rate quoted includes all applicable discounts. Rate quoted is valid for consumer auto loans and includes a combination of the following 1) 0.50% off for purchase of credit life and disability insurance coverage; 2) 0.25% off for purchase of an extended service contract; 3) 0.25% off for FCCU Existing Open Auto Loan 4) 0.20% off with First Rewards Checking; 5) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 1.00% APR. Rate as low as 1.99% APR is valid up to 48 months only. 48 months @ 1.99% APR - $21.62 per $1,000 borrowed. 60 month term rates are as low as 2.49% APR. 60 months @ 2.49% APR - $17.99 per $1,000 borrowed. Loans with a term over 75 months will be approved at a higher rate. Vehicles 8 years and older will be charged a 2.0% higher rate. Floor Rate for vehicles is 1.99% for 48 months. Floor rate is 2.49% for 60 months. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed. Valid for consumer vehicle loans funded directly through FCCU only. Loans funded through any third party dealer are not eligible. Applications submitted after business hours may not be decisioned until the next business day. Business days are considered Monday - Friday 9am - 7pm. Minimum $5 Savings account must be established for membership.  In order to qualify for membership, Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.