Credit union · NCUA insured
Champions First Credit Union Auto Loan Rates
Top CarrotChampions First Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Champions First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tallahassee, FL, where Champions First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
New & Pre-Owned Auto Loans
Lowest rate
tMH Federal Credit Union
3.35%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
2nd-lowest rate
BCFCU
3.89%APR
- Terms
- 49–60 months
- Up to
- —
Champions First Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Champions First 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 & Pre-Owned Auto Loans
Offer effective 1/1/2025. Membership eligibility required. Loans subject to credit approval and standard underwriting criteria. Minimum loan amount $5,000, maximum interest rate 18% APR. For vehicles years 2017 or newer. Cannot be used to refinance an existing Champions First Credit Union loan. Down payment may be required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | APR as low as 3.99% for 60 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer. |
| up to 72 months | 4.49% | APR as low as 4.49% for 72 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer. |
| up to 84 months | 5.49% | APR as low as 5.49% for 84 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer. |
Sources (1)
- championsfirst.org/rates · captured Oct 15, 2026
Promotional Auto Loan
Rate schedule effective 10/1/26; offer effective 1/1/2025. Membership eligibility required. Loans subject to credit approval and standard underwriting criteria. Minimum loan amount $5,000, maximum interest rate 18% APR. Applicable to vehicles years 2016 or newer (per rates schedule) or 2017 or newer (per auto loans landing page). Cannot be used to refinance an existing Champions First Credit Union loan. Down payment may be required depending on creditworthiness, vehicle age, amount, and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | Rate as low as 3.99% APR for terms up to 60 months. Valid for new, used, or refinance auto loans (cannot refinance existing Champions First Credit Union loan). Minimum loan amount $5,000. Maximum rate 18% APR. |
Who can join Champions First 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 or works in Bay, Calhoun, Columbia, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, or Washington counties is eligible for membership.
Employers and groups
- Employees of Champions First Credit Union are eligible for membership.
- Members and employees of businesses that do business with or have offices at FSU are eligible for membership.
- Members and employees of organizations that are part of the FSU community are eligible for membership.
Military, government and schools
- FSU faculty and staff are eligible for membership.
- FSU students in good academic standing are eligible for membership.
1 more way to join
Family and household
- Family members of existing Champions First Credit Union members are eligible for membership.
Membership information collected October 5, 2026.