1st Community Mortgage, Auto Loan, Personal Loan & Credit Card Rates & Who Can Join

Who Can Join 1st Community

Membership eligibility from 1st Community's own published criteria. How we verify this.

Membership criteria are published on 1st Community's website. Check the membership page below to confirm whether you qualify.

Verified from 1st Community's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

3.720% APR

Rate3.720%

Points0

[PROMOTIONAL] Certificates

ira

3.720% APR

Rate3.720%

Points0

[PROMOTIONAL] IRA's

ploc_variable

8.990% APR

Rate8.990%

Points0

Line Of Credit - Equipment

ploc_variable

8.990% APR

Rate8.990%

Points0

[PROMOTIONAL] Line Of Credit - Equipment

Auto Loan Rates

Rates as of July 10, 2026

auto_new

4.240% APR

Rate4.240%

[PROMOTIONAL] New Vehicle Loan

auto_new_24mo

4.240% APR

Rate4.240%

2026 (new) - 2027 (<15,000 miles) - 24 Mo

auto_new

4.240% APR

Rate4.240%

2026 (new) - 2027 Auto Loan

auto_new

4.240% APR

Rate4.240%

[PROMOTIONAL] 2026 (new) - 2027 (<15,000 miles) Auto Loan

auto_new

4.240% APR

Rate4.240%

[PROMOTIONAL] Auto Loans - 2026 (new) - 2027

auto_new_36mo

4.390% APR

Rate4.390%

2026 (new) - 2027 (<15,000 miles) - 36 Mo

auto_used

4.490% APR

Rate4.490%

Used 2022-2026 Auto Loan

auto_used_24mo

4.490% APR

Rate4.490%

Used 2022-2026 Vehicles - 24 Mo

auto_used

4.490% APR

Rate4.490%

[PROMOTIONAL] Auto Loans - Used 2022-2026 Vehicles

auto_used

4.490% APR

Rate4.490%

[PROMOTIONAL] Used 2022-2026 Vehicles Auto Loan

auto_new_48mo

4.540% APR

Rate4.540%

2026 (new) - 2027 (<15,000 miles) - 48 Mo

auto_used_36mo

4.640% APR

Rate4.640%

Used 2022-2026 Vehicles - 36 Mo

auto_new_60mo

4.690% APR

Rate4.690%

2026 (new) - 2027 (<15,000 miles) - 60 Mo

auto_used_48mo

4.790% APR

Rate4.790%

Used 2022-2026 Vehicles - 48 Mo

auto_used_60mo

4.940% APR

Rate4.940%

Used 2022-2026 Vehicles - 60 Mo

auto_new

4.990% APR

Rate4.990%

New 2022-2027 Rec Vehicle

auto

4.990% APR

Rate4.990%

[PROMOTIONAL] Auto Loan

auto_new

4.990% APR

Rate4.990%

[PROMOTIONAL] New Recreational Loan

auto_new_72mo

4.990% APR

Rate4.990%

2026 (new) - 2027 (<15,000 miles) - 72 Mo

auto_new

4.990% APR

Rate4.990%

[PROMOTIONAL] Recreational Loans - New 2022-2027 Rec Vehicle

auto_new_84mo

5.240% APR

Rate5.240%

2026 (new) - 2027 (<15,000 miles) - 84 Mo

auto_used

5.240% APR

Rate5.240%

Used 2016-2021 Auto Loan

auto_used_24mo

5.240% APR

Rate5.240%

Used 2016-2021 Vehicle - 24 Mo

auto_used_72mo

5.240% APR

Rate5.240%

Used 2022-2026 Vehicles - 72 Mo

auto_used

5.240% APR

Rate5.240%

[PROMOTIONAL] Auto Loans - Used 2016-2021 Vehicle

auto_used

5.240% APR

Rate5.240%

[PROMOTIONAL] Used 2016-2021 Vehicle Auto Loan

auto_used_36mo

5.390% APR

Rate5.390%

Used 2016-2021 Vehicle - 36 Mo

auto_used

5.490% APR

Rate5.490%

Used 2016-2021 Rec Vehicles

auto_used

5.490% APR

Rate5.490%

[PROMOTIONAL] Recreational Loans - Used 2016-2021 Rec Vehicles

auto_used_48mo

5.540% APR

Rate5.540%

Used 2016-2021 Vehicle - 48 Mo

auto_used_60mo

5.690% APR

Rate5.690%

Used 2016-2021 Vehicle - 60 Mo

credit_card

9.400% APR

Rate9.400%

Visa Credit Card

auto

9.900% APR

Rate9.900%

Older Recreational Loan

auto_any_24mo

9.900% APR

Rate9.900%

Older Vehicles - 24 Mo

auto

9.900% APR

Rate9.900%

Older Vehicles Auto Loan

auto

9.900% APR

Rate9.900%

[PROMOTIONAL] Auto Loans - Older Vehicles

auto

9.900% APR

Rate9.900%

[PROMOTIONAL] Older Vehicles Auto Loan

auto

9.900% APR

Rate9.900%

[PROMOTIONAL] Recreational Loans - Older Recreational

auto_any_36mo

10.150% APR

Rate10.150%

Older Vehicles - 36 Mo

auto_any_48mo

10.650% APR

Rate10.650%

Older Vehicles - 48 Mo

auto_any_60mo

11.400% APR

Rate11.400%

Older Vehicles - 60 Mo

Personal Loan Rates

Rates as of July 10, 2026

personal_secured

3.500% APR

Rate3.500%

[PROMOTIONAL] Certificate Secured Loans

personal_unsecured

9.900% APR

Rate9.900%

[PROMOTIONAL] Personal Loan

personal_unsecured

9.900% APR

Rate9.900%

Signature Loans

personal_unsecured

9.900% APR

Rate9.900%

[PROMOTIONAL] Signature Loans

ploc_variable

13.740% APR

Rate13.740%

Line Of Credit - Unsecured

ploc_variable

13.740% APR

Rate13.740%

[PROMOTIONAL] Line Of Credit - Unsecured

Credit Card Rates

Rates as of July 10, 2026

savings

3.300% APR

Rate3.300%

[PROMOTIONAL] Rewards Checking

Frequently Asked Questions

What rates does 1st Community offer?

1st Community currently offers mortgage, auto loan, personal loan, and credit card rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are 1st Community rates updated?

RateAPI verifies 1st Community's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get 1st Community's rate data?

Rate data is collected directly from 1st Community's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is 1st Community's mortgage rate?

As of July 10, 2026, 1st Community offers a cd mortgage at 3.72% APR.

What is 1st Community's auto loan rate?

As of July 10, 2026, 1st Community offers auto loans from 4.24% APR.

Related Rate Data

Compare 1st Community's rates against national credit-union benchmarks.

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1st Community

Who Can Join 1st Community

Mortgage Rates

Auto Loan Rates

Personal Loan Rates

Credit Card Rates

Frequently Asked Questions

What rates does 1st Community offer?

How often are 1st Community rates updated?

Where does RateAPI get 1st Community's rate data?

What is 1st Community's mortgage rate?

What is 1st Community's auto loan rate?

Related Rate Data

Source Information

Methodology

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