Seek the Cape for your best financial shape!

We're super thankful for our members who continue to place trust in the power of the cape. First Basin Credit Union offers Home Loans, Auto Loans, RV Loans and Personal Loans as well as Commercial and Business Loans. Choose the loan type you would like to apply for, then complete an online application. A First Basin representative will contact you via phone within one business day to answer any questions you may have and complete the application process. 

The best vehicle deserves the best deal. Save time and money by getting pre-approved on your auto loan before you visit dealerships. Or, shift into a better payment by refinancing with FBCU!

Learn More Apply Now

The best cards in the Basin. Enjoy competitive rates, no annual fees, and cash back rewards on all purchases with our VISA Credit Cards. 

Learn More Apply Now

Open the door to your new home with the First Basin experience: a streamlined application with no hidden fees, quick loan approval, competitive interest rates, plus flexibile and easy payment options. 

Learn More Apply Now

Get the money you need - when you need it. First Basin will be the partner in your financial life. Whether it is the planned or unexpected, we will find what fits you best.

Learn More Apply Now

Loan Rates

Effective 9/5/2023

Loan APR Daily Periodic Rate Term
*Autos 4.15% to 18.00% .01136% to .049315% N/A
*ATV (Dirt Bikes, 4-Wheelers, etc.) 6.90% to 12.90% .018904% to .035342% up to 48 months
*Watercraft 6.49% to 14.90% .017780% to .040821% up to 60 months
*Motorcycles 6.90% to 13.90% .018904% to .038082% up to 60 months
*Motor Home/Travel Trailer 5.90% to 12.90% .016164% to .035342% up to 84 months

Loan APR Daily Periodic Rate Term
Personal 8.90% to 15.90% .024383% to .043561% N/A
Fully Secured by CD - Variable Rate 2.50% above CD rate up to 60 months Variable Determined by FBCU CD Maturity Date

Loan APR Daily Periodic Rate Term
*†Residential Mortgage 6.000% to 9.250% .016666% to .025347% up to 360 months
*†Home Equity 5.750% to 6.875% .015753% to .018835% up to 360 months
*Mobile Home with Land 10.500% to 11.000% .028767% to .030137% up to 120 months
†Interim Construction Loans 10.500% to 12.000%, A.P.R. determined by loan .028767% to .032876% Maximum term 18 months
†Land Loans 10.500% to 11.500% .028767% to .031506% up to 120 months
A.P.R. = annual percentage rate.  *A.P.R. determined by credit score (Risk Base Pricing).
†Fees and other restrictions may apply, including loan amount, loan term and % Loan-to-Value (LTV)
* Mobile Home with Land must be registered as real property to qualify for lending.
Note: All of the above rates are with a First Basin Credit Union account.This disclosure statement is incorporated into and comes as part of your credit plan agreement. Please keep this attached to your credit plan agreement. The annual percentage rates and corresponding daily periodic rates for each loan type are listed above. Credit life, joint life, disability, and involuntary unemployment insurance monthly premium factors are listed below. 
  • Single Life: .67¢ per $1000 of insured debt; maximum life insurance amount of $50,000.
  • Joint Life: $1.00 per $1000 of insured debt; maximum life insurance amount of $50,000.
  • Disability: $2.31 per $1000 of insured debt; maximum monthly benefit of $1,000.


Loan Process

Applying for a loan? Not sure how to get started? Here is a quick guide to set you in the right direction.