Credit union · NCUA insured
1st Street Credit Union Auto Loan Rates
Top Carrot1st Street Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.
How 1st Street Credit Union’s auto loan rates compare
Compared with banks and credit unions near North Port, FL, where 1st Street Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Street Credit Union
4.74%APR
- Terms
- —
- Discount
- None included
New Auto Loans (2023-2025)
Lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
1st Street Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Street Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Autos (2019 and older)
Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.49%–17.99% | Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment. |
Sources (1)
- 1streetcu.com/loan-rates-2 · captured Oct 15, 2026
Autos (2020 – 2021)
Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24%–17.24% | Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment. |
Sources (1)
- 1streetcu.com/loan-rates-2 · captured Oct 15, 2026
Autos (2022 – 2024)
Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74%–16.99% | Rate is determined by credit score, loan product, and term of loan. Rate discounts may be available for e-Statement enrollment, applying and closing loan online, and automatic payment. |
Sources (1)
- 1streetcu.com/loan-rates-2 · captured Oct 15, 2026
Motorcycles (New)
Rate is determined by Credit Score, Loan Product and Term of Loan. Eligible for loan rate discounts based on products and services (e-Statement enrollment, applying and closing loan online, automatic payment to loan, etc.).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24%–17.24% | Rate is determined by Credit Score, Loan Product and Term of Loan. Eligible for loan rate discounts based on products and services (e-Statement enrollment, applying and closing loan online, automatic payment to loan, etc.). |
Sources (1)
- 1streetcu.com/loan-rates-2 · captured Oct 15, 2026
Motorcycles (Used)
Rate is determined by Credit Score, Loan Product and Term of Loan. Eligible for loan rate discounts based on products and services (e-Statement enrollment, applying and closing loan online, automatic payment to loan, etc.).
| Terms | APR | Conditions |
|---|---|---|
| — | 6.24%–17.99% | Rate is determined by Credit Score, Loan Product and Term of Loan. Eligible for loan rate discounts based on products and services (e-Statement enrollment, applying and closing loan online, automatic payment to loan, etc.). |
Sources (1)
- 1streetcu.com/loan-rates-2 · captured Oct 15, 2026
Who can join 1st Street Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, worships or volunteers in Charlotte County, Manatee County or Sarasota County is eligible to join.
Employers and groups
- Employees of this Credit Union are eligible to join.
- Employees of any Non-Profit Organization are eligible to join.
Military, government and schools
- Employees of the City of Sarasota are eligible to join.
- Employees of the County of Sarasota are eligible to join.
- Employees of any Governmental Agency (Federal, State and Local) are eligible to join.
2 more ways to join
Military, government and schools
- Persons receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota are eligible to join.
Family and household
- Anyone related to an existing member by blood, marriage or adoption is eligible to join.
Membership information collected October 5, 2026.