Credit union · NCUA insured
BCFCU Auto Loan Rates
Top CarrotBCFCU auto loans start at 3.89% APR for a new vehicle and 3.89% for a used one. Rates checked October 15, 2026.
How BCFCU’s auto loan rates compare
Compared with banks and credit unions near Tallahassee, FL, where BCFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BCFCU
3.89%APR
- Terms
- 49–60 months
- Up to
- —
New & Used Auto
Lowest rate
tMH Federal Credit Union
3.35%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
3rd-lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
BCFCU auto loan score
96
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.89%
- Used vehicleUsed3.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BCFCU 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 & Used Auto
Rates are based on creditworthiness and term of loan. Membership eligibility requirements apply. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.89% | As low as rate based on creditworthiness and term. |
| 25–36 months | 3.89% | As low as rate based on creditworthiness and term. |
| 37–48 months | 3.89% | As low as rate based on creditworthiness and term. |
| 49–60 months | 3.89% | As low as rate based on creditworthiness and term. |
| 61–72 months | 4.59% | As low as rate based on creditworthiness and term. |
| 73–84 months | 5.29% | As low as rate based on creditworthiness and term. |
| 85–96 months | 6.50% | As low as rate based on creditworthiness and term. |
Who can join BCFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons who live, worship, work, or attend school in, and businesses and other legal entities located in Dixie, Franklin, Gadsden, Gilchrist, Hamilton, Jefferson, Lafayette, Leon, Levy, Madison, Suwannee, Taylor, and Wakulla counties.
Military, government and schools
- Open to employees of the credit union and volunteers in the community.
Family and household
- Open to spouses of persons who died while within the field of membership of the credit union, and members of their immediate family or household.
Other ways
- Open to organizations of eligible persons.
Membership information collected October 5, 2026.