LOAN RATES
Rates Current as of: 02/23/2026
City of Firsts Community Credit Union offers a variety of loan products tailored to meet your financial needs. Our loan offerings include:
Auto Loans
Rates: Competitive rates start as low as 5.25% APR
Terms: Flexible terms ranging from 36 to 84 months
Home Equity Loans
Rates: Fixed rates starting at 9.75% APR
Terms: Loan amounts up to 80% of your home's equity, with terms available from 5 to 15 years
Home Equity Line of Credit (HELOC)
Rates: Variable
Vehicle Loan Rates
| Description | Max Term | APR* as low as |
|---|---|---|
| 2026 & Newer | 84 Months | 5.50%* |
| 2026 & Newer ($20,000+) | 72 Months | 5.25%* |
| 2024 - 2025 | 60 Months | 5.50%* |
| 2022 - 2023 | 60 Months | 6.50%* |
| 2019 - 2021 | 36 Months | 7.50%* |
Travel Trailers, Motor Homes, Campers
| Description | Max Term | APR* as low as |
|---|---|---|
| 2025 & Newer | 84 Months | 7.00%* |
| 2025 & Newer ($20,000+) | 72 Months | 6.50%* |
| 2024-2019 | 60 Months | 9.00% |
Boats/Trailers
| Description | Max Term | APR* as low as |
|---|---|---|
| 2026 & Newer | 84 Months | 7.00%* |
| 2025 & Newer ($20,000 +) | 72 Months | 6.50%* |
| 2024 & Older (80%) | 60 Months | 9.00%* |
Motorcycles
| Description | Max Term | APR* as low as |
|---|---|---|
| 2026 & Newer | 84 Months | 7.75%* |
| 2026 & Newer ($20,000 +) | 72 Months | 6.50%* |
| 2024 - 2025 | 84 Months | 7.25%* |
| 2024 - 2025 ($20,000+) | 72 Months | 7.00%* |
| 2023 or Older | 60 Months | 7.00%* |
Share Secured Loans
| Description | Max Term | APR* as low as |
|---|---|---|
| Share Secured | 120 Months | 5.00%* |
| Certificate Secured** | Based on certificate term |
Credit Card Rates (Secured & Unsecured)
| Description | Term | APR* as low as |
|---|---|---|
| VISA Classic | N/A | 12.50%* |
| VISA Platinum | N/A | 9.90%* |
Personal Loans
| Description | Max Term | APR* as low as |
|---|---|---|
| Unsecured | 48 Months | 10.00%* |
Home Equity Line of Credit (HELOC) Variable Rate
| Description | Max Term | APR* as low as |
|---|---|---|
| Home Equity Line of Credit | 180 Months | 6.99%* Variable |
Home Equity Fixed Rate
| Description | Max Term | APR* as low as |
|---|---|---|
| Home Equity Fixed | 180 Months | 9.75%* |
*APR is Annual Percentage Rate. All rates are subject to change without notice. Other rates available may be higher based on risk-based lending policy. Other terms & conditions may apply. Rates are subject to change without notice.
For loans which are approved, the rate is determined by the borrower’s credit rating and may be as low as the rates above. We reserve the right to match any competitor’s rates.
Terms are calculated in months.
** A Share Certificate Secured loan cannot exceed term of certificate used for collateral. Loan rate is equal to the certificate rate plus 2%; minimum rate of 5%.