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Auto Loans

Whether you're looking to buy a new or used vehicle, or refinance your current auto loan from another lender, Community First Credit Union will make your financing decision easier.

  • Low affordable rates
  • No processing fees
  • No application fees
  • Financing options up to 84 months
  • No prepayment penalties
  • Automatic payroll deduction available

Visit our office, call 440-997-5919, or apply online. This is a limited time offer!

You can also get preapproved so you know how high you can go on a vehicle and still be able to afford the monthly payments, before you even step foot on the Dealer's lot.

Transfer your current auto loan to Community First

Are you paying too much for your current loan from another lender? You can easily transfer your auto loan to Community First at our low rate. You could save money with every monthly payment! Contact us today or apply online below.

Transfer your auto loan from another lender and get up to $150 Cash Back and No Payments for 90 days! Learn More.

This is a Limited Time Offer. Apply Today!

Apply Now



Protect your Auto Loan with GAP Insurance

Community First gives you a great rate on your auto loan. And we also want to make sure you are protected should anything go wrong.

That's why we offer you Guaranteed Asset Protection (GAP Insurance). If your vehicle is wrecked or stolen, you may owe more on your loan than your insurance is willing to pay you. GAP Insurance through Community First pays for the difference between your insurance settlement and your outstanding loan balance.

You can purchase GAP Insurance when you get your auto loan at Community First.


Recreational Vehicles

For all you outdoor enthusiasts, your credit union will take care of the financing or refinancing on the following vehicles with wide range of terms and fixed interest rates to meet your needs.

  • Boats & Jet Skis
  • Motorcycles & ATVs
  • RVs & Campers

Apply Now


Classic Car Auto Loans

Some people dream of buying a brand new car. For others, it's an OLD car that starts their engines. That's why Community First offers our Classic Car Auto Loan.

We understand that a Classic Car is not the same thing as a Used Car. Our loan officers take the time to talk with you about your dream vehicle and work to help you finance it. If you are financing a Classic Vehicle that is 25 years old or older, ask us about our Classic Car Auto Loan.

Apply Now



Signature Loans

Our signature loans are an unsecured loan that you can use for just about anything. You can borrow up to $15,000 for as long as 5 years with our low competitive fixed rate.

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Student and Education Loans

In partnership with Sallie Mae, we offer the The Smart Option Student Loan to members. This loan features three repayment options, competitive interest rates, and no origination fees. Please find complete information on the Sallie Mae website.

Apply Now



First Mortgages

Are you looking to purchase your first home or just wanting to refinance? Visit Community First Credit Union for your financing.

Our loan officers are ready to assist in clarifying the sometimes complicated mortgage loan process.

Benefits of First Mortgage Loans:

  • Competitive interest rates
  • Fixed or adjustable rate long term mortgages are available
  • Loan officers available for counseling in budgeting for real estate taxes, for home insurance and for other costs associated with home ownership
  • Payments can be made through payroll deduction, so there's no need to write a check each month
  • Additional principal payments are accepted at any time
  • No prepayment penalty

For details or to set an appointment, call the Mortgage Loan Department at Community First Credit Union or click on the link below to apply online.

Apply Online Button

  • Call our Loan Officer at 440-997-5919, Ext. 2
  • Visit our office at 2043 E. Prospect Rd., Ashtabula, Ohio 44004 [ MAP ]

Use our Mortgage Calculators


Second Mortgages

If you need help with college expenses, home improvements, bill consolidation or just about anything else, our second mortgage loan program can help with all this and more.

Our Second Mortgage Program features:

  • A low fixed rate
  • Terms up to 20 years
  • No Application Fees
  • No Closing Cost
  • And interest may be tax deductible

Put the equity in your home to good use and give our loan officers a call at 440-997-5919, Ext. 2.

Apply online here for a Second Mortgage. For First Mortgages, please apply above.

Apply Now

  • Call our Loan Officer at 440-997-5919
  • Visit our office at 2043 E. Prospect Rd., Ashtabula, Ohio 44004 [ MAP ]


Home Equity Lines of Credit

A Home Equity Line of Credit is a revolving line of credit and works a lot like a credit card, where you can use it when you need it and make payments on the unpaid balance but at the same time giving you a much lower interest rate.

Our Home Equity Lines of Credit feature:

  • No Application Fees
  • No Closing Costs
  • 10 year draw periods
  • 17 year payoffs
  • And interest may be tax deductible

Call one of our Member Service Reps today for more information and to start you application process at 440-997-5919 Ext. 2.

Apply online here for a HELOC.

Apply Now

  • Call our Loan Officer at 440-997-5919
  • Visit our office at 2043 E. Prospect Rd., Ashtabula, Ohio 44004 [ MAP ]