Credit union · NCUA insured
AdventHealth Credit Union Auto Loan Rates
AdventHealth Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How AdventHealth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orlando, FL, where AdventHealth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AdventHealth Credit Union
5.49%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Car Loan
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Discount
- None included
2nd-lowest rate
Unity of Eatonville FCU
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
AdventHealth Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AdventHealth 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.
Auto Refinance
Subject to loan approval. Not valid on refinance of AHCU loans. Valid on vehicle model years 2013 or newer. Minimum floor rate of 4.50% APR. Beat rate by up to 2.00%.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Minimum floor rate of 4.50% APR; beats current rate up to 2.00%. Valid on vehicle model years 2013 or newer; not valid on refinance of existing AHCU loans. |
Sources (2)
All captured Oct 5, 2026
New Car Loan
Applies to auto loans; rates vary by credit, collateral, and term. Starting rates include a 0.50% rate discount for setting up direct deposit to an AHCU checking account and electing automatic loan payments. Cannot be combined with other promotional discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 49–60 months | 5.49% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 61–72 months | 5.74% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 73–84 months | 5.99% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
Sources (1)
- adventhealthcreditunion.org/loan-rates · captured Oct 5, 2026
Used Car Loan
Applies to auto loans; rates vary by credit, collateral, and term. Starting rates include a 0.50% rate discount for setting up direct deposit to an AHCU checking account and electing automatic loan payments. Cannot be combined with other promotional discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 49–60 months | 5.74% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 61–72 months | 5.99% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
| 73–84 months | 6.24% | Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking. |
Sources (1)
- adventhealthcreditunion.org/loan-rates · captured Oct 5, 2026
Who can join AdventHealth Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Seventh-day Adventist Church in the state of Florida are eligible for membership.
- Employees of AdventHealth including its medical staff, auxiliaries, and retirees are eligible for membership.
- A Florida Seventh-day Adventist organization including its employees, auxiliaries, and retirees is eligible for membership.
Military, government and schools
- Students, faculty, or staff members of AdventHealth University are eligible for membership.
Family and household
- Immediate family members of eligible groups are eligible for membership.
Cost to join
- A minimum deposit of $5.00 is required to open a Primary Savings account as a refundable par value share establishing ownership.
Membership information collected October 5, 2026.