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Best for: St. Louis area residents seeking local service and member discounts.

First Community Credit Union

First Community Credit Union — Missouri-based lender offering competitive local financing.

Min credit
Not disclosed
APR
From 4.75%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means First Community Credit Union does not publish this on their public site. "No restriction" means First Community Credit Union explicitly states no limit.

Overview

First Community Credit Union serves the St. Louis metropolitan area with auto refinancing rates as low as 4.75% APR as of October 2026. You can refinance both new and used vehicles with flexible terms customized to your budget.…

What’s great

  • 0.25% interest rate discount available for qualifying checking account holders
  • Local lending decisions made in the St. Louis area
  • Low minimum deposit required to open a membership savings account

What to know

  • Membership is primarily restricted to the St. Louis metro region
  • Lowest rates are limited to shorter terms up to 36 months

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 4.75% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementYou must live or work in select counties in the St. Louis metro area of Missouri and Illinois, or have a family connection to a member.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from First Community Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with First Community Credit Union before applying.

  1. [1]Auto Loans — Purchase or Refinance a New or Used Vehicle October 2026 — First Community Credit Union
    https://www.firstcommunity.com/loans/personal-loans/auto-loans.html
    Last checked: October 2026
  2. [2]Become a Member! — Eligibility for St. Louis Region — First Community Credit Union
    https://www.firstcommunity.com/about-us/become-a-member.html
    Last checked: October 2026
  3. [3]Rates — Loan and Dividend Rates October 2026 — First Community Credit Union
    https://www.firstcommunity.com/services-tools/tools/rates.html
    Last checked: October 2026