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New and Used Vehicle Rates

 TermAPR*
NEW Auto(<5,001 miles)
202012-362.89%
201937-483.25%
201849-603.50%
61-723.75%
73-844.50%
Term85-965.50%
USED Auto(>5,000 miles)
201912-362.89%
201837-483.25%
2017 to 201149-603.50%
61-723.74%
73-844.50%
OLDER Auto(<100,001 miles)
2010 to 200712-365.89%
37-486.25%
49-606.50%
61-726.75%
OLDER Auto(>100,000 miles)
2010 to 200712-366.39%
37-486.75%
49-607.00%
61-727.25%
BOATs, RVs & TRAILERs
2019 to 200912-847.64%
85-968.75%
97-1209.75%
MOTORCYCLES/ATVs
2019 to 200912-487.14%
49-607.50%
Auto Loan Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimates on a $45,000, 84-month loan with a 4.50% APR = $626; on a $15,000, 36-month loan with a 2.89% APR = $436.
Other terms available up to 96 months. 96 month rate exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles, $40,000 minimum. eGreen and Advantage Checking Account loan rate discounts do not apply with these promotional rates. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Rate increase of .25% for vehicle mileage of 100,000 or more. Refinance offer not available on existing First City loans. Cannot be combined with other promotional offers. Rates and programs subject to change. Other conditions may apply.
Recreational Vehicle Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimate example: on a $100,000, 84-month loan with a 7.64% APR = $1,541; on a $75,000, 120-month loan with a 9.75% APR = $981.

 

Personal Loan Rates

Personal Loan 
Loan AmountsAPR* as low as
$500 - $10,00011.90%
$10,001 - 20,00012.90%
$20,001 - $30,00013.90%
Personal Loan Payment Estimate
On a $2,500, 24 month loan with a 11.90% APR=$118 per month
*APR=Annual Percentage Rate
Maximum personal loan allowed, including combined Personal Loan balance and Visa Credit Card available credit is $30,000.

 

Secured Loan Rates

Certificate and Share Secured 
Certificate Secured
Maximum TermAPR* as low as
Certificate SecurityDividend Rate + 1.50%
Share Secured
Minimum/Maximum TermAPR* as low as
12 - 60 monthsDividend Rate + 1.50%
*APR=Annual Percentage Rate

*APR=Annual Percentage Rate