Credit union · NCUA insured
Alive Credit Union Auto Loan Rates
Alive Credit Union auto loans start at 4.79% APR for a new vehicle and 5.29% for a used one. Rates checked October 15, 2026.
How Alive Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where Alive Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alive Credit Union
4.79%APR
- Terms
- 49–66 months
- Discount
- Included in the rate
New Auto/Van/Truck Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
- Discount
- None included
Alive Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alive 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.
New Auto/Van/Truck Loans
New autos are classified as model years 2024 and newer. Stated APR includes a 0.50% Full Direct Deposit discount; actual rate based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.54% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
| 49–66 months | 4.79% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
| 67–78 months | 5.29% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
| 79–84 months | 6.04% | New vehicles only > $25,000. Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
New and Used Motorcycles
Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.75% | Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. |
| 49–66 months | 5.95% | Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. |
| 67–78 months | 6.95% | Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. |
Sources (1)
- alivecu.coop/services-tools/tools/rates.html · captured Oct 7, 2026
Used Auto/Van/Truck Loans
Used autos classified as model years 2017-2023; older used autos classified as model years 2012 or newer with 90,000 - 150,000 miles. Autos with over 90,000 miles and/or older than 6 model years subject to higher rates and shorter terms. Stated APR includes a .50% Full Direct Deposit discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.04% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
| 49–66 months | 5.29% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
| 67–78 months | 5.79% | Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join Alive Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Duval, Clay, Nassau, Baker, or St. Johns Counties.
Employers and groups
- Membership is open to employees and affiliates of partner healthcare organizations and Florida Blue.
- Membership is open to employees and affiliates of select legal, real estate, retail, and corporate partner groups.
Military, government and schools
- Membership is open to employees and affiliates of specified City of Jacksonville departments, Florida state law enforcement/judiciary agencies, and regional law enforcement entities.
Family and household
- Membership is open to immediate family of those eligible for Alive Credit Union membership.
Membership information collected October 5, 2026.