The First Central Credit Union is a auto loan from First Central Credit Union. The ongoing APR is New Autos: as low as 4.54% - 17.45% (1 - 36 months), as low as 4.69% - 17.69% (37 - 48 months), as low as 4.84% - 17.84% (49 - 72 months), as low as 5.84% - 10.09% (73 - 84 months); Pre-owned Autos: as low as 4.84% - 18.00% (model years '17 - '23), as low as 4.84% - 17.84% (60 - 72 months, '24 - '26). Effective 3/01/2026.. Loan terms: Flexible terms from 36 months to 84 months.