The First Central Credit Union is a auto loan from First Central Credit Union. The ongoing APR is New Rec Vehicles: as low as 6.04% - 18.00% (1 - 36 months), as low as 6.19% - 18.00% (37 - 48 months), as low as 6.34% - 18.00% (49 - 72 months), as low as 7.34% - 11.59% (73 - 84 months), effective 11/01/2025; Pre-owned Rec Vehicles: as low as 6.34% - 18.00% (all terms to 72 months). Loan terms: 1 - 84 months (new); up to 72 months (pre-owned).