Make First Central your first destination when you refinance or get a new or used auto loan and take the hassle out of car shopping.
Key Features
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Competitive Rates
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Get Pre-Approved
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Refinancing Available
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Local Processing
Competitive Rates
Get Pre-Approved
Refinancing Available
Local Processing
- Buy any new or pre-owned car or truck
- Consistently the most competitive rates in Central Texas
- 100% financing available
- Finance Tax, Title, and Registration
- Flexible terms from 36 months to 84 months
- Quick approval process and local decision-making
- Pre-approval for better buying power
- Will refinance your loan from other institutions
- Personal service from your credit union for the life of the loan
- Protect your vehicle with our insurance options
- Make routine payments to potentially lower your rate through our LIFT Program
Find a Pre-Owned Ride
On occasion, cars, trucks, RV's, boats, motorcycles, or homes are available for sale to members with financing available through First Central Credit Union. Check them out!
Need to provide proof of insurance for your loan? We’ve made it very easy and secure to submit your insurance policy! Click here: My Loan Insurance
Re-Finance Rates as low as 5.84% APR!*
Financed elsewhere? Now is the time to re-finance your vehicle with First Central. Think about how important support for your local economy can be, while you have the same vehicle — just lower payments! On factory equipped vehicles, you can get "150 radio channels of awesome" with used or refinanced auto loans.*
Re-Fi vehicles receive 3 months of FREE SiriusXM®
Apply today and drive your dream car out of the lot in no time! Our friendly loan officers will work with you to find the rates and flexible terms that best fit your needs and budget.
*APR = Annual Percentage Rate. Loans subject to credit approval, loan policies, and membership restrictions apply. Re-financing guarantees 2% rate reduction lower than current interest rate to a floor of 5.84% annual percentage rate with $5,000 or more financed.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market*
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,500+ | 0.99% | 1.00% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. A monthly service charge of $20 with an average balance below $2500. Your account will be considered dormant/inactive if you do not make any transactions over 3 years.
Business Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.28% | 2.30% |
| 1 year | $1,000 | 3.55% | 3.60% |
| 2 years | $1,000 | 3.84% | 3.90% |
| 3 years | $1,000 | 3.55% | 3.60% |
| 4 years | $1,000 | 3.16% | 3.20% |
| 5 years | $1,000 | 3.45% | 3.50% |
Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 11/01/24.
Farm Equipment (New or Pre-owned)*
| Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|
| 100% of purchase price; maximum amount not to exceed 72 months | 1 - 72 months | 8.05% - 18.00% |
*Effective 10/01/2024.
Home Equity*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 5 years | as low as 6.30% - 11.60% |
| 7 years | as low as 6.80% - 12.10% |
| 10 years | as low as 7.30% - 12.60% |
| 15 years | as low as 7.55% - 12.85% |
| 20 years | as low as 7.80% - 13.10% |
*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may differ from that of another member on the same type of loan. Home Equity Loan property must be located within a 200-mile radius of a branch location. Effective 10/01/2024.
IRA Savings
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular, Roth & Educational | 0.499% | 0.50% |
IRA Term Share Certificate
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.28% | 2.30% |
| 1 year | $1,000 | 3.55% | 3.60% |
| 2 years | $1,000 | 3.84% | 3.90% |
| 3 years | $1,000 | 3.55% | 3.60% |
| 4 years | $1,000 | 3.16% | 3.20% |
Penalty for early withdrawal.
Effective 05/01/2024.
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $10,000 | 4.889% | 5.00% |
| Over $10,000 | 0.995% | 5.00% to 1.36% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $20,000 | 1.982% | 2.00% |
| Over $20,000 | 0.995% | 1.17% to 2.00% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Lifestyle Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 12.24% - 18.00% |
APR for Balance Transfers
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
APR for Cash Advances
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
Money Market (First Fund)*
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.35% | 0.35% |
| $2,500 - $24,999.99 | 0.99% | 1.00% |
| $25,000 - $49,999.99 | 1.09% | 1.10% |
| $50,000 - $99,999.99 | 1.24% | 1.25% |
| $100,000 - $249,999.99 | 1.98% | 2.00% |
| $250,000 and Greater | 2.23% | 2.25% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.
New Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 5.54% - 18.00% |
| 37 - 48 months | as low as 5.69% - 18.00% |
| 49 - 66 months | as low as 5.84% - 18.00% |
| 67 - 72 months | as low as 5.84% - 18.00% |
| 73 - 84 months | as low as 6.84% - 11.09% |
Term available based on credit score. Effective 10/01/2024.
New Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 7.04% - 18.00% |
| 37 - 48 months | as low as 7.19% - 18.00% |
| 49 - 66 months | as low as 7.34% - 18.00% |
| 67 - 72 months | as low as 7.34% - 18.00% |
| 73 - 84 months | as low as 8.34% - 12.59% |
*Effective 10/01/2024. Term available based on credit score.
Personal Loans*
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Small Dollar Personal Loan | $800 and Below | 1 - 6 months | 13.75% - 28.00% |
| Personal | $801 - $30,000 | 1 - 84 months | 11.50% - 18.00% |
| Line of Credit / Overdraft Line of Credit | $1 - $30,000 | 1 - 72 months | 11.50% - 18.00% |
*Small personal loans of $800 or less will incur a $20 application fee.
Pre-owned Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('15 & older) | as low as 5.84% - 18.00% |
| 24 - 30 months ('16 - '17) | as low as 5.84% - 18.00% |
| 36 - 42 months ('18 - '19) | as low as 5.84% - 18.00% |
| 48 - 60 months ('20 - '21) | as low as 5.84% - 18.00% |
| 60 - 72 months ('22 - '24) | as low as 5.84% - 18.00% |
*Classic Auto may be financed up to 24 months, or longer with approval from President
*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.84% with $5,000.00 or more financed.
*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.
*If the term of the loan is extended, rates may be subject to a 1% APR increase.
*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.
*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.
*Effective 10/01/2024
Pre-owned Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('15 & older) | as low as 7.34% - 18.00% |
| 24 - 30 months ('16 - '17) | as low as 7.34% - 18.00% |
| 36 - 42 months ('18 - '19) | as low as 7.34% - 18.00% |
| 48 - 60 months ('20 - '21) | as low as 7.34% - 18.00% |
| 60 - 72 months ('22 - '24) | as low as 7.34% - 18.00% |
| Jet Skis | Same as Personal Rates |
*100-120% NADA Retail to qualified borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 7.34% with $5,000.00 or more financed. Effective 10/01/2024.
Prestige Draft Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| $500 - $2,499.99 | 0.150% | 0.15% |
| $2,500 - $14,999.99 | 0.349% | 0.35% |
| $15,000 and Greater | 0.499% | 0.50% |
Share Accounts*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Share Account* | 0.350% | 0.35% |
| Business Share Account | 0.350% | 0.35% |
| Dream Savings* (Monthly) | 0.350% | 0.35% |
| Dream Club (Monthly) | 0.350% | 0.35% |
Regular Share Account and Business Share Account minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.
Dream Savings Accounts are those called -- for example -- Special Savings, Vacation, Wedding, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month.
Dream Club Accounts are designed to save for year-end or holiday expenses. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. Every November, the full balance of account is withdrawn and paid to the member. The account remains open for continued savings into the next year.
*Regular Share Account allows four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4) per month.
Share Draft Accounts
| Account Type | Dividend Rate | APY |
|---|---|---|
| Super Saver Checking | 0.050% | 0.05% |
| Student Checking | 0.050% | 0.05% |
| Business Plus Checking | 0.050% | 0.05% |
Share Secured Loans
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Secured w/Savings | Total of Share Balance | 1 - 24 months | 4.75% - 10.75% |
| Secured w/Savings | Total of Share Balance | 25 - 60 months | 5.25% - 11.25% |
| Secured w/ Certificate | Face amount of Certificate | 1 - 120 months | 2% above yield |
Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.28% | 2.30% |
|
7 months* Jumbo Special |
$100,000 to open and maintain | 4.09% | 4.15% |
| 1 year | $1,000 | 3.55% | 3.60% |
| 13 months* | $1,000 | 4.18% | 4.25% |
| 2 years | $1,000 | 3.84% | 3.90% |
| 25 months* | $1,000 | 4.18% | 4.25% |
| 3 years | $1,000 | 3.55% | 3.60% |
| 4 years | $1,000 | 3.16% | 3.20% |
| 5 years | $1,000 | 3.45% | 3.50% |
| JUMBO* | $100,000 | See Below |
Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term, excluding special non-renewable terms of 13, and 25 months.
JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.60%, JUMBO would pay 3.85% APY). Effective 10/01/24.
* Non-renewable.
VISA Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 12.24% - 18.00% | 14.24% - 18.00% | 16.74% |
APR for Balance Transfers
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 14.24% - 18.00% | 16.24% - 18.00% | 18.00% |
APR for Cash Advances
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 14.24% - 18.00% | 16.24% - 18.00% | 18.00% |
Rate effective 10/01/2024
Youth Savings*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Kirby Kangaroo* (age 0-12) | 0.350% | 0.35% |
| Youth Account (age 13-17) | 0.350% | 0.35% |
| TUTMA Savings (birth-21) | 0.350% | 0.35% |
*Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.
Kirby Kangaroo and Youth Accounts - $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
TUTMA Savings - $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.