First Credit Union
Verified rate book
Current First Credit Union rates
16 published offers verified as of August 4, 2026.
Auto & vehicle rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 72-Month Used Auto Loan (2025 and Newer)auto_used_72mo | 5.740% APR | 5.740% | 72 mo · used | Standard |
| 66-Month Used Auto Loan (2025 and Newer)auto_used_66mo | 5.740% APR | 5.740% | 66 mo · used | Standard |
| 66-Month New Auto Loanauto_new_66mo | 5.740% APR | 5.740% | 66 mo · new | Standard |
| 84-Month New Auto Loanauto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| 84-Month Used Auto Loan (2025 and Newer)auto_used_84mo | 5.990% APR | 5.990% | 84 mo · used | Standard |
| 48-Month Used Auto Loan (2021 and Newer)auto_used_48mo | 6.190% APR | 6.190% | 48 mo · used | Standard |
| 60-Month Used Auto Loan (2018 and Newer)auto_used_60mo | 6.690% APR | 6.690% | 60 mo · used | Standard |
| 36-Month Used Auto Loan (2016 and Newer)auto_used_36mo | 8.740% APR | 8.740% | 36 mo · used | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity - Closed End (120 months)heloc | 5.990% APR | 5.990% | — | Standard |
| Home Equity - Closed End (60 months)heloc | 5.990% APR | 5.990% | — | Standard |
| Home Equity - Closed End (84 months)heloc | 5.990% APR | 5.990% | — | Standard |
| Up to 15-Year HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| Home Equity - Closed End (180 months)heloc | 6.990% APR | 6.990% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 36-Month Unsecured Personal Loanpersonal_unsecured_36mo | 11.990% APR | 11.990% | 36 mo | Standard |
| 48-Month Unsecured Personal Loanpersonal_unsecured_48mo | 12.990% APR | 12.990% | 48 mo | Standard |
| 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 13.990% APR | 13.990% | 60 mo | Standard |
Auto loans available from 5.74% APR for 72 months. HELOC rates from 5.99% APR. Personal loan rates from 11.99% APR.
Source: RateAPI.dev, verified from First Credit Union's official website
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About First Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 10.1K
- Assets
- $177.4M
- Founded
- 1926
- Locations reported
- 8
- NCUA charter
- 24673
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
Source: NCUA quarterly call report. 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.
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 Credit Union
Membership eligibility from First Credit Union's own published criteria. How we verify this.
Community charter: live/work in Linn, Benton, IA
- LocationLinn, Benton — IA
Verified from First Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Credit Union?
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Frequently Asked Questions
What rates does First Credit Union offer?
First Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Credit Union rates updated?
RateAPI verifies First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get First Credit Union's rate data?
Rate data is collected directly from First 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 Credit Union's auto loan rates?
As of August 4, 2026, First Credit Union offers auto loans from 5.74% APR.
What is First Credit Union's HELOC rate?
As of August 4, 2026, First Credit Union offers home equity lines of credit from 5.99% APR.
What is First Credit Union's personal loan rate?
As of August 4, 2026, First Credit Union offers personal loans from 11.99% APR.
Related Rate Data
Compare First Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack First Credit Union rates
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# Get rates for First Credit Union
curl "https://api.rateapi.dev/credit-unions/iowa/first" \
-H "Authorization: Bearer YOUR_API_KEY"