1st Community Credit Union

Sparta, Wisconsin
Last verified: August 4, 2026
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Verified rate book

Current 1st Community Credit Union rates

43 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

33 offers
1st Community Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
2026 (New) - 2027 (<15,000 Miles)auto_new_24mo4.240% APR4.240%24 mo · newStandard
2026 (New) - 2027 (<15,000 Miles)auto_new_36mo4.390% APR4.390%36 mo · newStandard
24-Month Used Auto Loan (2022–2026)auto_used_24mo4.490% APR4.490%24 mo · usedStandard
36-Month Used Auto Loan (2022–2026)auto_used_36mo4.640% APR4.640%36 mo · usedStandard
2026 (New) - 2027 (<15,000 Miles)auto_new_60mo4.690% APR4.690%60 mo · newStandard
60-Month Used Auto Loan (2022–2026)auto_used_60mo4.940% APR4.940%60 mo · usedStandard
2026 (New) - 2027 (<15,000 Miles)auto_new_72mo4.990% APR4.990%72 mo · newStandard
36-Month Auto Loanauto_any_36mo4.990% APR4.990%36 moStandard
New 2022-2027 Rec Vehicleauto_new_24mo4.990% APR4.990%24 mo · newStandard
New 2022-2027 Rec Vehicleauto_new_36mo5.140% APR5.140%36 mo · newStandard
24-Month Used Auto Loan (2016–2021)auto_used_24mo5.240% APR5.240%24 mo · usedStandard
72-Month Used Auto Loan (2022–2026)auto_used_72mo5.240% APR5.240%72 mo · usedStandard
2026 (New) - 2027 (<15,000 Miles)auto_new_84mo5.240% APR5.240%84 mo · newStandard
36-Month Used Auto Loan (2016–2021)auto_used_36mo5.390% APR5.390%36 mo · usedStandard
New 2022-2027 Rec Vehicleauto_new_60mo5.440% APR5.440%60 mo · newStandard
Used 2016-2021 Rec Vehiclesauto_used_24mo5.490% APR5.490%24 mo · usedStandard
Used 2016-2021 Rec Vehiclesauto_used_36mo5.640% APR5.640%36 mo · usedStandard
60-Month Used Auto Loan (2016–2021)auto_used_60mo5.690% APR5.690%60 mo · usedStandard
New 2022-2027 Rec Vehicleauto_new_72mo5.740% APR5.740%72 mo · newStandard
Used 2016-2021 Rec Vehiclesauto_used_60mo5.940% APR5.940%60 mo · usedStandard
New Commercial & Ag Vehicles/Equipmentauto_new6.240% APR6.240%newStandard
Used 2016-2021 Rec Vehiclesauto_used_72mo6.240% APR6.240%72 mo · usedStandard
Used Commercial & Ag Vehicles/Equipmentauto_used6.990% APR6.990%usedStandard
New 2022-2027 Rec Vehicleauto_new_120mo6.990% APR6.990%120 mo · newStandard
Older Recreationalpowersports_used_24mo9.900% APR9.900%24 mo · usedStandard
Older Vehiclesauto_used_24mo9.900% APR9.900%24 mo · usedStandard
Older Vehiclesauto_used_36mo10.150% APR10.150%36 mo · usedStandard
Older Recreationalpowersports_used_36mo10.150% APR10.150%36 mo · usedStandard
New Auto Loan (2025–2026)auto_new10.990% APR10.990%newStandard
Used Auto Loan (2020–2025)auto_used11.240% APR11.240%usedStandard
Older Recreationalpowersports_used_60mo11.400% APR11.400%60 mo · usedStandard
Older Vehiclesauto_used_60mo11.400% APR11.400%60 mo · usedStandard
Used Auto Loan (2015–2019)auto_used11.990% APR11.990%usedStandard

Personal loan rates

5 offers
1st Community Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Signature Loans ($1,000 minimum)personal_unsecured_24mo9.900% APR9.900%24 moStandard
Signature Loans ($1,000 minimum)personal_unsecured_36mo10.150% APR10.150%36 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo11.400% APR11.400%36 moStandard
Signature Loans ($1,000 minimum)personal_unsecured_60mo11.400% APR11.400%60 moStandard
Personal Line of Creditploc_variable13.740% APR13.740%Standard

Equipment loan rates

1 offer
1st Community Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Line Of Credit - Equipmentequipment8.990% APR8.990%Standard

Other rates

4 offers
1st Community Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Today's Ratesother3.300% %3.300%Standard
Rec Loanother6.990% %6.990%Standard
Contact 1st CCU for detailsother9.400% %9.400%Standard
Used 1980-2014other12.990% %12.990%Standard

Vehicle loans available from 4.24% APR for 24 months. Personal loan rates from 9.9% APR. Equipment loans from 8.99% APR.

Source: RateAPI.dev, verified from 1st Community Credit Union's official website

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About 1st Community Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
15.7K
Assets
$284.8M
Founded
1961
Locations reported
4
NCUA charter
67012
Charter type
Federally insured state-chartered 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
  • Student scholarships
  • Credit-builder products

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 1st Community Credit Union

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

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

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

Work at 1st Community Credit Union?

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Frequently Asked Questions

What rates does 1st Community Credit Union offer?

1st Community Credit Union currently offers vehicle loan, 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 1st Community Credit Union rates updated?

RateAPI verifies 1st Community 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 1st Community Credit Union's rate data?

Rate data is collected directly from 1st 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 1st Community Credit Union's auto & powersports loan rates?

As of August 4, 2026, 1st Community Credit Union offers vehicle loans from 4.24% APR.

What is 1st Community Credit Union's personal loan rate?

As of August 4, 2026, 1st Community Credit Union offers personal loans from 9.9% APR.

Related Rate Data

Compare 1st Community 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.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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terminal
# Get rates for 1st Community Credit Union
curl "https://api.rateapi.dev/credit-unions/wisconsin/1st-community" \
  -H "Authorization: Bearer YOUR_API_KEY"