My First Loan


Do you need a loan and worry that you may not get approved because you have never had credit before? We realize everyone needs a first chance at financial responsibility. That’s why we are now offering My First Auto Loan with rates as low as 8.65% APR* up to 72 months.

You can also apply for a personal "My First Loan" up to $1,000 at 15.20% APR* for 12 months.


Receive a 1% discount on your Auto Loan or personal loan when you set up direct deposit and automatic loan payment.  


Apply Now to begin your credit history with Central Credit Union. Let us be your first!



Central now offers Credit Union Auto Club roadside assistance (individual plan) at no cost to you with My First Loan "Auto Loans." Don't miss out on this $47 value. Another reason "You Belong" at Central Credit Union.





To take advantage of Credit Union Auto Club with My First Loan "Auto Loan," contact the loan department at 850-474-0970 / 800-375-2235 or email us at


*APR = Annual Percentage Rate