COVID-19 Update: Click Here for More Information

MOBILE/ONLINE: Please use mobile and online for everyday banking, loan payments and remote deposit.  PHONE: Use Phone Banking (610.807.3095) for transactions. Skip the wait and schedule a phone appointment with our Contact Center. FINANCIAL CENTERS: Drive-Up Service Only M-F: 9 am - 4 pm | Sat.: 9 am - noon. ITMS: Live Video Associate service is unavailable through April 4, 2020. 

IMPORTANT LOCATIONS UPDATE: Our Allentown, Bethlehem , Kutztown and Northwood Financial Centers as well as our Corporate Office are temporarily closed; however our employees are working remotely to continue to provide service to our members.

We're experiening extremely high volumes in our Contact Center. If you get a busy signal, please hang up and dial 484-929-2291 or 1-877-583-2328.

First Commonwealth Federal Credit Union
Forbes 2019 Best in State credit unions

Auto Loans

If you’ve been dreaming of a new vehicle – something with a little more zoom or a little more room – First Commonwealth is here for you.

Get pre-approved before you shop. We offer:

  • No payments for 60 days
  • Up to 125% financing of MSRP or NADA  retail value on new or pre-owned vehicles
  • Terms up to 84 months on new purchases and pre-owned purchases
  • Pre-approvals with the ability to lock in your low interest rate for 30 days before purchasing

CarShopper

Find Your Next Car Now!

Apply Now

Get Up To $200* Cash Back with an Express Draft

Rev-up a deal with an express draft and get up to $200* Cash Back when you use an express draft to purchase your new (or new-to-you) car! Looking for the advantage of negotiating like a cash buyer while enjoying the convenience of an auto loan? In four simple steps, you can receive a “blank check" to take with on your next car shopping trip:

  1. APPLY: Online or in person, or call us at 610.821.2403. 

  2. RECEIVE YOUR EXPRESS DRAFT: You will receive a “blank check” that will have your approved limit for you to shop for your next vehicle.

  3. SIGN THE CHECK AND DRIVE OFF: Complete the check (dealership name, amount due, vehicle info) and drive away in your new ride! 

  4. TAKE YOUR TIME: You have up to 30 days to use your Express Draft.  Your loan will not be activated until you find your dream car! 

OTHER VEHICLE LOANS
Along with loans for cars and trucks, we also provide financing for motorcycles, boats and RVs.

You’ll enjoy:

  • Competitive rates
  • Affordable payments
  • Terms up to 84 months for new motorcycle purchases and up to 72 months for pre-owned purchases
  • Terms up to 144 months for boats and RVs

Express loan

Express Loan Checks

Ready to shop for your new car? Apply for an auto loan and leave with a check. No need to come back in to the center to close.

Go Express

Auto refinance

Refinance

Already have an auto loan from another lender?

Refinance Now

first time auto buyer

First-Time Auto Buyer

Our first-time auto-buyer program is designed for members with no credit history.

Learn More

Auto PreApproval

Check Your Loan Status

Already submitted an application? Need to check the status or upload documents?

Check Status

auto smart

Find Your New Car Now

Whether it is a new or used car you can search, research and finance your next car on our site.

Find Your Car

participating dealers

Verify Your Insurance

Need to send us verification of your auto insurance?

Verify Insurance

Payment Protection

A voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Loan Protection (GAP Plus)

Helps ease your financial burden by paying the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

Auto Insurance

Special auto insurance program for
First Commonwealth's members.


Table data for Auto Loan Rates
 04-05-2020
Type Term1 APR (as low as)2 Alert Me
New Auto up to 36 months 2.24% Receive a notification when this rate changes
up to 48 months 3.24% Receive a notification when this rate changes
up to 60 months 3.49% Receive a notification when this rate changes
up to 66 months 3.99% Receive a notification when this rate changes
up to 72 months 4.24% Receive a notification when this rate changes
up to 84 months 4.49% Receive a notification when this rate changes
Used Auto up to 36 months 2.74% Receive a notification when this rate changes
up to 48 months 3.74% Receive a notification when this rate changes
up to 60 months 3.99% Receive a notification when this rate changes
up to 66 months 4.24% Receive a notification when this rate changes
up to 72 months3 4.74% Receive a notification when this rate changes
up to 84 months4 4.99% Receive a notification when this rate changes
External Refinances up to 84 months .25% rate discount Receive a notification when this rate changes
  • 1Term restrictions may apply for excess miles/mileage (100,000+ up to 175,000). Refinance terms up to 72 months only.↵
  • 2Annual Percentage Rates (APRs) are based on an evaluation of credit. Maximum LTV may vary, based on borrower's credit profile.↵
  • 32016 - 2020 model years only for used auto loans up to 72 months.↵
  • 42019 and 2020 model years only for used auto loans up to 84 months.↵
Table data for RV Loan Rates
 04-05-2020
Type Term APR (as low as)1 Alert Me
New & Used up to 60 months 5.74% Receive a notification when this rate changes
up to 84 months 6.74% Receive a notification when this rate changes
up to 120 months2 7.74% Receive a notification when this rate changes
up to 144 months 7.74% Receive a notification when this rate changes
  • 1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.↵
  • 2$10,000 minimum loan amount for 85+ months.↵

*New loan application must be received between 3/1/20 and 5/31/20. Express Draft must be used by 6/30/2020. Loan amounts between $10,000 and $19,999.99 will qualify for a $150 incentive. Loan amounts of $20,000 or more will qualify for a $200 incentive. Auto purchase only; refinances and existing FCFCU loans are not eligible. Incentive payment will automatically be credited to the qualifying member’s savings account. Please allow 2-4 weeks for processing. Express Drafts are only to be used for auto sales in ​PA and NJ.