--- title: "First Ohio Community Credit Union Rates: HELOC 6.00%, Vehicle 6.55%" description: "First Ohio Community Credit Union rates today: vehicle loans from 6.55% APR, HELOC from 6.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First Ohio Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/ohio/first-ohio-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Ohio Community Credit Union Rates: HELOC 6.00%, Vehicle 6.55% ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **USED AUTO '19-'26 up to 42 mth** auto_used_42mo | — APR | 4.450% | 42 mo · used | Standard | | **USED AUTO '19-'26 up to 66 mth** auto_used_66mo | — APR | 4.600% | 66 mo · used | Standard | | **USED AUTO '19-'26 up to 72 mth** auto_used_72mo | — APR | 4.750% | 72 mo · used | Standard | | **NEW AUTO '19-'26 up to 76 mths** auto_new_76mo | — APR | 4.850% | 76 mo · new | Standard | | **USED AUTO '19-'26 up to 76 mth** auto_used_76mo | — APR | 4.850% | 76 mo · used | Standard | | **USED AUTO '16-'18 up to 66 mth** auto_used_66mo | — APR | 5.900% | 66 mo · used | Standard | | **USED AUTO '15 & older up to 54** auto_used | — APR | 6.500% | used | Standard | | **NEW CYCLE '19-'26 up to 48 mth** auto_new_48mo | 6.550% APR | 6.550% | 48 mo · new | Standard | | **NEW RV '19-'26 up to 48 mths** rv_new_48mo | — APR | 6.550% | 48 mo · new | Standard | | **NEW BOAT '19-'26 up to 48 mths** boat_new_48mo | — APR | 6.550% | 48 mo · new | Standard | | **NEW CYCLE '19-'26 up to 66 mth** auto_new_66mo | — APR | 6.550% | 66 mo · new | Standard | | **NEW CYCLE '19-'26 up to 72 mth** auto_new_72mo | — APR | 7.000% | 72 mo · new | Standard | | **NEW RV '19-'26 up to 66 mths** rv_new_66mo | — APR | 7.000% | 66 mo · new | Standard | | **NEW BOAT '19-'26 up to 66 mths** boat_new_66mo | — APR | 7.500% | 66 mo · new | Standard | | **USED RV '18 & older - 48mths** rv_used_48mo | — APR | 7.750% | 48 mo · used | Standard | | **USED BOAT '18 & Older - 48 mth** boat_used_48mo | — APR | 7.750% | 48 mo · used | Standard | | **USED CYCLE '18 & older - 48mth** auto_used_48mo | — APR | 7.750% | 48 mo · used | Standard | | **USED RV '18 & older - 60 mths** rv_used_60mo | — APR | 8.000% | 60 mo · used | Standard | | **USED CYCLE '18 & older - 60mth** auto_used_60mo | — APR | 8.000% | 60 mo · used | Standard | | **USED BOAT '18 & older - 60mths** boat_used_60mo | — APR | 8.000% | 60 mo · used | Standard | First Ohio Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | 6.000% APR | 5.990% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.990% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | First Ohio Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **SHARED SECURED** personal_secured | — APR | 3.000% | — | Standard | | **Certificate-Secured Loan** personal_secured | — APR | 6.000% | — | Standard | | **SIGNATURE LOAN - 12 mths** personal_unsecured_12mo | — APR | 10.500% | 12 mo | Standard | | **SIGNATURE LOAN - 24 mths** personal_unsecured_24mo | — APR | 11.500% | 24 mo | Standard | | **SIGNATURE LOAN - 36 mths** personal_unsecured_36mo | — APR | 12.500% | 36 mo | Standard | | **SIGNATURE LOAN - 48 mths** personal_unsecured_48mo | — APR | 13.500% | 48 mo | Standard | First Ohio Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 9.900% | — | Standard | First Ohio Community Credit Union credit card rates as of November 12, 2026 Vehicle loans available from 6.55% APR for 48 months. HELOC rates from 6% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/ohio/first-ohio-community) , verified from [First Ohio Community Credit Union's official website](https://firstohiocfcu.org/) Best product position **Better than the Ohio median** HELOC Gap to state best **125 bp** 125 bp from state best Vs. state median **100 bp better than median** HELOC Products ranked **2** across tracked Ohio markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 6.55% | Room to improve vs. the Ohio median | 280 bp from state best | 106 bp behind median | | HELOC | 6.00% | Better than the Ohio median | 125 bp from state best | 100 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First Ohio Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-ohio-community&state=ohio&code=OH&name=First%20Ohio%20Community%20Credit%20Union) Loading branch locator… ## About First Ohio Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.3K Assets $45.9M Founded 1937 Locations reported 2 NCUA charter 2454 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Oc** North Canton · North Canton · OH · 44720 Branch in the same ZIP](https://rateapi.dev/credit-unions/ohio/oc) [**Canton School Employees** Shuffel Operations Center · North Canton · OH · 44720 About 0.6 miles away](https://rateapi.dev/credit-unions/ohio/canton-school-employees) [**Christian Family** Home Office · North Canton · OH · 44720 About 1.6 miles away](https://rateapi.dev/credit-unions/ohio/christian-family) [**Cleveland Selfreliance** CANTON OFFICE · North Canton · OH · 44720-7760 About 2.9 miles away](https://rateapi.dev/credit-unions/ohio/cleveland-selfreliance) [**Seven Seventeen** Canton Office · Canton · OH · 44718-2552 About 3.3 miles away](https://rateapi.dev/credit-unions/ohio/seven-seventeen) [**Stark** Main Office · canton · OH · 44718 About 4.4 miles away](https://rateapi.dev/credit-unions/ohio/stark) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First Ohio Community Credit Union Membership eligibility from First Ohio Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Ohio Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location stark — OH Verified from [First Ohio Community Credit Union's membership page](https://firstohiocfcu.org/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for First Ohio Community Credit Union Geography 1 county · Family 5 published paths to membership, last verified August 27, 2026, quoted from First Ohio Community Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Stark County, OH “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Stark County, OH” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Immediate family members of existing First Ohio CFCU members are also eligible.” > [source ↗](https://firstohiocfcu.org/about-us/membership) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Ohio Community Credit Union? Yes No ## Work at First Ohio Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Ohio Community Credit Union ranks against Ohio peers. - See which AI assistants fetched First Ohio Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Ohio - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-ohio-community&state=ohio&code=OH&name=First%20Ohio%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Ohio Community Credit Union offer? First Ohio Community Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First Ohio Community Credit Union rates updated? RateAPI verifies First Ohio Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First Ohio Community Credit Union's rate data? Rate data is collected directly from First Ohio Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are First Ohio Community Credit Union's auto, rv & boat loan rates? As of November 12, 2026, First Ohio Community Credit Union offers vehicle loans from 6.55% APR. ### What is First Ohio Community Credit Union's HELOC rate? As of November 12, 2026, First Ohio Community Credit Union offers home equity lines of credit from 6% APR. ### Who can join First Ohio Community Credit Union? First Ohio Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 1 county for First Ohio Community Credit Union, each quoted from First Ohio Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Ohio Community Credit Union's rates against national credit-union benchmarks. [More Ohio credit unions](https://rateapi.dev/credit-unions/ohio) [Ohio auto loan rate leaders](https://rateapi.dev/auto-loan-rates/ohio) [Ohio HELOC rate leaders](https://rateapi.dev/heloc-rates/ohio) [Ohio personal loan leaders](https://rateapi.dev/personal-loan-rates/ohio) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://firstohiocfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Ohio Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Ohio credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Ohio Community Credit Union curl "https://api.rateapi.dev/credit-unions/ohio /first-ohio-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Ohio Community Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/ohio/first-ohio-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp