Summer Simplified. 

Lower You Rate. No Payments Until Sepetember 2026. 

Refinance your auto loan from another lender and reduce your monthly payments. Our auto refinance options are designed to help you save money, improve cash flow, and enjoy payment flexibility. 

Refinance your auto loan from another lender and save this summer.

Now through June 30, 2026 - Apply Now

APR = Annual Percentage Rate. Certain credit criteria apply for lowest rate quoted and 90 days no payment for eligible members only. Interest will continue to accrue during the deferral period. Rates and terms subject to change. Lowest rate quoted includes all applicable discounts. Rates may differ based on borrower creditworthiness. 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%. Rate as low as 4.34% APR is valid up to 48 months only. 48 months @ 4.34% APR - $22.78 per $1,000 borrowed. Rates as low as 4.44% APR are valid up to 60 months only. 60 months @ 4.44% APR - $18.66 per $1,000 borrowed. Loans with a term greater than 60 months will be approved at a higher rate. Vehicles 8 years and older will be charged a 2.0% higher rate. 84 month term applies to vehicle model years 2023 or newer and must be a minimum of $30,000 financed. 96 month term applies to model years 2024 or newer and must be a minimum of $50,000 financed. FCCU refinances and business vehicle loans are not eligible. Valid for consumer vehicle loans financed with FCCU only.  Loans funded through any third-party dealer are not eligible. Cannot be combined with any other offers. Offer valid Monday, June 2 - Monday, June 30, 2025 only. Loan must be approved on or before June 30 and be funded no later than Tuesday, July 8, 2025 by 7pm CST to be eligible for this promotion. ²Members who finance a new auto or refinance their current auto loan from another financial institution during the promotion timeframe will automatically be entered to win $1,000 Cash. Must apply through FCCU.ORG/SUNSET or enter Promo Code SUNSET25 on the application. No purchase necessary. Must be 18 years of age or older to enter. $1,000 cash is non-transferable. To enter without opening a new auto loan, you may send in a 3x5 index card with your name, address, phone number, and email address to First Community Credit Union, Attn: Marketing, P.O. Box 840129, Houston, TX 77284-0129. One entry per person. See official rules at FCCU.ORG/SUNSET. Board Members and Employees of First Community Credit Union, their immediate family members and members of their households are not eligible to win. Applications submitted after business hours may not be decisioned until the next business day. Business days are considered Monday - Friday 9am - 7pm CST. Minimum $5 Savings account must be established for membership.  Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, FCCU.org/counties, any person employed by a Select Employee Group, FCCU.org/seg-list, or any relative or family member of an FCCU member or employee.