New & Used Auto Loans

Forget the auto manufacturers’ so-called “zero-percent” financing! The credit union offers no-hassle auto loans on new or used cars and trucks, all with no hidden charges or prepayment penalties, and some of the lowest rates in town.

With 1st City's great rates and Enterprise Car Sales' great selection of vehicles, you are sure to find what you are looking for. Contact the credit union for special rates and one of the friendly account executives at Enterprise (314.351.9220) for the vehicle of your dreams.

Recreational Loans

Whether you prefer to hit the lake or just take to the open road, the credit union is the best starting point. We can help you finance your RV, boat, trailer or motorcycle.

Visa® Credit Card

Financing your purchases with high-interest department store charge cards and other expensive credit cards can cost you hundreds of dollars each year. And, if you pay an annual fee for your credit card, then you really overpay for what you buy! The solution is a low-cost Visa Credit Card from 1st City Credit Union. The credit union Visa will make it seem like you bought everything on sale. Just take a look at the benefits:

• Everyday low rates  
• 25-day, interest-free grace period on all purchases  
• No annual fee  
• Purchasing power at millions of locations worldwide  

If you are carrying a balance on your department store cards or other high-interest credit cards, you may be able to transfer your charges to a lower-cost credit union Visa.

To check your 1st City Credit Union Visa account balance, or to make a payment online, go to http://www.ezcardinfo.com.

Home Equity Loans

We now offer two home equity options to help you save! Our fixed-rate home equity loan provides a single draw and either a five or seven-year repayment period. With a variable-rate home equity line of credit, you can take multiple advances over five years with
a 10-year repayment term. No matter which loan you choose, you can enjoy greater financial freedom, along with personal attention
from the staff you know. Check out this list of features:

  • Enjoy a fast application process with local underwriting and service
  • Secure great low rates
  • Finance up to 100% of your home’s equity
  • Receive potential tax benefits*
Even if you already have a home equity loan or line of credit with another lender, transferring to 1st City could save you money. Contact us for complete loan details, or to apply.

Signature Loans

With our Signature Loans, you can borrow up to $10,000 at competitive rates. Your signature is all we need to secure this loan. It’s that simple!

Share Loans

A Share Loan uses your shares in the credit union as collateral. It’s the easiest way to keep your money in your share account earning dividends while you are using the funds from the loan.

Credit Builder Loan
Even if you have bad credit or no credit, you can use our Credit Builder Loan to establish good credit history and build your savings at the same time. The credit union will deposit as much as $2,500 into your savings account, where it will stay for a term of 24-36 months. You’ll pay great low rates, and as long as you make your regular payments on time, your credit score will improve over the course of the loan. Plus, at the end of the loan term, all of the funds will be released for your use. You’ll have a better score and a bigger savings balance!

Other Loan Services

• Extended Auto Warranties • Credit Disability Insurance • GAP Insurance


Check out our current loan rates

Loan Application

Visa Application


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5011 Hampton Ave., St. Louis, MO 63109 •  Phone (314) 353-6676 • Audio Response (800) 860-5704 access code: 251

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