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First Command Current Interest Rates

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Auto Loan Rates
Loan TypeAPR1 With FCB DiscountAPR1 Without Discount
Refinance5
New and Used auto rates and restrictions apply.

When it’s time to make your purchase, we can provide drafting instructions to your dealership, wire the funds, issue a cashier’s check, or transfer funds to your account so you can write a check for your purchase.

Only existing First Command Bank clients are eligible to apply online. For more information or to become a client, please contact a Financial Advisor near you.

Secured Rates
Loan TypeTermsAPR1

All loans subject to approval. Only existing First Command clients are eligible to apply. For more information or to become a client, please contact a Financial Advisor near you.

Unsecured Rates
Loan TypeTermsAPR1

All Loans subject to credit approval. Only existing First Command clients are eligible to apply. For more information or to become a client, please contact a Financial Advisor near you.

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Rates and offers current as of , and are subject to change.

Rates subject to change without notice and vary based on approved credit and other factors, such as term, model year and loan amount. Monthly payments vary based on APR for which borrower is approved, term for which vehicle is financed, and amount borrowed.

1. APR stands for Annual Percentage Rate.

2. APR with FCB Discount: To qualify for the loan discount offer, an automatic payment from a First Command Bank account must be set up. The discount is 0.50% off of the base rate. Discount offer is subject to change without notice.

3. New Auto Loans: Loan rate applicable to new vehicles only. New vehicles are purchased through a dealership and are 2021 – 2023 model years with less than 20,000 miles. Financing is available up to 110% of sales price. Rate also depends on term. New Car (dealer) Payment Example: A 60-month new auto loan (model years 2021-2023) with an annual percentage rate (APR) of 3.00% would have monthly payments of $17.97 per one thousand dollars borrowed.

4. Used Auto Loans: Used vehicles are purchased through a dealership and is a 2016 or newer model year. Maximum used car loan advance will be determined by First Command Bank using a NADA value. Financing is available up to NADA retail value not to exceed 100%. Some restrictions apply. Call 888-763-7600 for details.

Financing for 60-month term is valid for model years 2021 – 2023 over 20,000 miles and 2016 – 2020. Other restrictions including vehicle limitations may apply. Used Car (dealer) Payment Example: A 60-month used auto loan (model years 2016 – 2023) with an annual percentage rate (APR) of 4.00% would have monthly payments of $18.42 per one thousand dollars borrowed.

5. Refinance Auto Loans: New vehicles are where you are the current owner and the vehicle is a 2021 – 2023 model year with less than 20,000 miles. For used vehicles, maximum used car loan advance will be determined by First Command Bank using a NADA value (for model years 2021 – 2023 over 20,000 miles and 2016 – 2020). Up to 100% financing is available to qualified members. First Command Bank does not permit internal refinances of an existing First Command Bank auto loan.

6. Secured with eligible, non-tax qualified investments with First Command. Fund cannot be assigned as a collateral to any other institution. AMS and IMA accounts may be used.

7. The interest rate will not change during the term of the loan.

8. Interest rate based on the Prime Lending Rate as published in The Wall Street Journal.

9. APY stands for Annual Percentage Yield.

10. Rates are subject to change without notice. Fees could reduce earnings on the account.

11. All loans subject to credit approval.