Auto and Motorcycle Loans

pumpkin carved with shocked face. Oh my gourd, Becky. Look at those rates!

*APR=Annual Percentage Rate. Your rate may vary. All loans subject to approval. Rates shown are effective as of October 1, 2019. Rates, terms and conditions subject to change at any time and are based on creditworthiness, qualifications & collateral conditions. Some restrictions apply. Membership eligibility required. Offer not to be combined with other coupons or promotional offers. Not for refinancing of loans already on file at 1st CCU. Contact 1st CCU for full details and all current rates. Anyone who lives or works in Monroe, La Crosse, Jackson, Trempealeau or Vernon county in Wisconsin is eligible for membership at 1st CCU. Immediate family members of existing 1st CCU members are also eligible to join. Federally insured by NCUA. NMLS 411004.

FA-BOO-LOUS rates when you buy or re-fi

a new or used auto or recreational vehicle!

1st Community Credit Union has a MONSTER of a deal in October!  Ready to upgrade to a newer car or truck before winter begins? Get a great rate and fast approval on your new or used purchase. Or, refinance an existing loan from another financial institution by bringing it to 1st CCU.
  • New Auto Loans starting as low as 2.75% APR
  • Used Auto Loans starting as low as 3.00% APR
  • Recreational Loans starting as low as 3.35% APR
  • Up to 100% financing for qualified borrowers
  • New vehicle loan terms up to 84 months**
  • Used vehicle loan terms up to 72 months**
  • Older vehicle loan terms up to 60 months**
  • Refinance an existing loan from a dealer or another financial institution
A lower rate can mean a monthly payment that won't give you nightmares!
silhouette images of motorcycle, jeep, car, SUV, truck, boat, small camper, motorhome

Our Auto and Motorcycle Loan rates are some of the best around, and our lending team offers fast, friendly service. Apply in person or online and you'll be in the driver's seat before you know it!




**Qualifications and some restrictions apply, based on loan type, model year, terms, amount financed and credit history.

testimonial from Nathaniel "I got called to work 800 miles away, truck quit running, 1st CCU got me into a new truck"

Our lending experts are happy to assist you with your financing needs, with answers to your questions, a free pre-qualification, and more:

Leianna Melde, Consumer Loan Officer

Leianna Melde Email Apply Now

Direct Phone: 608-366-2301
Direct Fax: 608-366-2070

NMLS #1595229 Leianna Rose Melde



Jon Cook, Consumer Loan Officer - West Salem office

Jon Cook   Email  Apply Now

Direct Phone: 608-366-2090
Direct Fax: 608-366-2095

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Jennifer Ely, Consumer Loan Officer

Jennifer Ely  Email  Apply Now

Direct Phone: 608-366-2039
Direct Fax: 608-366-2062


Sparta Office: 1000 West Wisconsin Street • Sparta, WI 54656 Call 608-269-8121 or Toll-Free 888-706-1228

West Salem Office: 1410 W. Highway 16 • West Salem, WI 54669 Call 608-786-2420 or Toll-Free 888-706-1228

Tomah Pop-Up Office: 201 Helen Walton Drive, Suite #9 (inside Cranberry Mall) • Tomah, WI 54660  Call 888-706-1228 for an appointment with a Lender

Click To View Office Hours

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Free Pre-Approval

Knowing how much you can afford and what terms you can expect eliminates expense and confusion when you shop for your new vehicle

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Extended Warranties Available

Mechanical Breakdown Extended Warranty may be purchased for new or used vehicles. With this coverage, repairs may be covered even if the vehicle is out of manufacturer’s warranty.


GAP Coverage

Guaranteed Asset Protection is a low-cost coverage that pays the difference between your insurance settlement and your loan balance in cases where your vehicle is stolen or damaged beyond repair.

Life and Disability Coverage

This coverage can assist with loan repayment in case of disability or death. Certain age and wage restrictions apply. See a loan officer for details.

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