Credit union · NCUA insured
Baptist Health South Florida FCU Auto Loan Rates
Top CarrotBaptist Health South Florida FCU auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 15, 2026.
How Baptist Health South Florida FCU’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Baptist Health South Florida FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baptist Health South Florida FCU
4.95%APR
- Terms
- up to 72 months
- Up to
- —
FlexDrive Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Baptist Health South Florida FCU auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baptist Health South Florida FCU 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.
FlexDrive Auto Loan
Available on new and pre-owned vehicles up to 5 years old. Flexible loan terms up to 72 months. Annual mileage options of 7,500 to 18,000 miles. $195 disposition fee if vehicle is returned at maturity.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.95% | Repayment example for 48 months on a vehicle priced at $40,000 with a Guaranteed Future Value of $23,684. Terms up to 72 months available. |
Motorcycle, Jet Ski & ATV
Membership required. All loans subject to approval. Rates and terms subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.20% | — |
Sources (2)
All captured Oct 5, 2026
New Auto
Rate includes a 0.25% discount for vehicles financed with loan to value (LTV) of 80% or less. Membership required. Loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.70% | Rate includes a 0.25% discount for vehicles financed with loan to value (LTV) of 80% or less. Rate is as low as 3.70% APR for 36 months. Up to 0.50% rate discount with Auto Advisors (floor rate 3.70% APR). First payment may be deferred up to 90 days. Available for terms up to 84 months. |
Sources (3)
All captured Oct 5, 2026
Used Auto
Rate includes a 0.25% discount for vehicles financed with loan to value (LTV) of 80% or less. Membership required. Loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.70% | Rate includes a 0.25% discount for vehicles financed with loan to value (LTV) of 80% or less. Up to 0.25% rate discount with Auto Advisors (floor rate 3.70% APR). First payment may be deferred up to 90 days. Available for terms up to 84 months. |
Sources (3)
All captured Oct 5, 2026
Who can join Baptist Health South Florida FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Baptist Health South Florida Federal Credit Union are eligible for membership.
- Employees and contracted workers of Baptist Health South Florida and its subsidiaries are eligible for membership.
- Retirees as pensioners or annuitants from Baptist Health South Florida and members of their immediate family or household are eligible for membership.
- Volunteers, trustees, and members of the Board of Directors of Baptist Health South Florida facilities are eligible for membership.
Military, government and schools
- Healthcare students training in Baptist Health South Florida facilities are eligible for membership.
Family and household
- Immediate family members of existing BHSFFCU members are eligible for membership.
Membership information collected October 5, 2026.