Independence Day

All First Commonwealth Offices will be CLOSED on Monday, July 4th, in observation of the holiday.
Digital Banking is available for convenient account access - anytime, anywhere.

First-Time Auto Buying Program

No credit history? No problem! Eligible members can take advantage of our first-time auto buying program. 

Benefits include:

  • No co-borrower required
  • Rate discount of 0.50% if you (borrower) complete the online GreenPath™ course, “Budgeting Basics
  • $25 deposit to member’s savings account after six months of on-time payments*
  • Up to 1.00% rate reduction after 12 months of on-time payments* - you may qualify to refinance at an even lower rate!
  • No payments for 60 days

Program Criteria

  • Must be 18 or older
  • Proof of income required; maximum debt-to-income (DTI) ratio of 40%
  • Four months at current employer required
  • Proof of insurance required upfront
  • No derogatory information on credit report
  • Direct auto loans through the credit union only (loans applied for at a dealership are not eligible)

Apply Now

*Member will receive a letter after making six months and 12 months of on-time payments, acknowledging eligibility for $25 deposit or rate reduction. Member must respond to claim the rewards. Please email proof of Budgeting Basics course completion to

Don't head to the Dealership before reading our
First Time Auto Financing Guide

Whether it's your first vehicle, you're transitioning from a junker to slightly used preowned, or helping someone do the same, our tips will make sure you can leave the dealership feeling confident in your purchase.