Credit union · NCUA insured
Community First Credit Union of Florida Auto Loan Rates
Community First Credit Union of Florida auto loans start at 5.15% APR for a new vehicle and 5.44% for a used one. Rates checked October 15, 2026.
How Community First Credit Union of Florida’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where Community First Credit Union of Florida has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community First Credit Union of Florida
5.15%APR
- Terms
- 55–70 months
New Auto | 2025 and Newer
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
Community First Credit Union of Florida auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community First Credit Union of Florida 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 | 2025 and Newer
Available for 2025 and newer vehicles. Membership eligibility required (lives, works, or attends school in designated Florida counties, relatives of members, or select employer groups; $5 initial deposit in Share account). First payment may be deferred up to 90 days with interest accruing. Fall Flash Sale offers 0.50% off APR for qualifying loans originated by 09/14/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.05% | Minimum loan amount is $2,500, increasing with longer terms ($4,000 for 24 months, $5,000 for 36 months, $7,500 for 48 months). First payment may be deferred up to 90 days. |
| 55–70 months | 5.15% | — |
| 71–77 months | 5.25% | — |
| 78–84 months | 5.99% | — |
Sources (2)
- communityfirstfl.org/resources/rates/auto-rates
- communityfirstfl.org/personal-banking/loans/auto-loans
All captured Oct 5, 2026
Older Used Auto Rates | 2013 - 2018
Available for model years 2013 to 2018. Membership eligibility required. First payment may be deferred up to 90 days with interest accruing. Fall Flash Sale offers 0.50% off APR for qualifying loans originated by 09/14/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.39% | — |
| 37–48 months | 7.69% | — |
| 49–60 months | 7.99% | — |
Sources (2)
- communityfirstfl.org/resources/rates/auto-rates
- communityfirstfl.org/personal-banking/loans/auto-loans
All captured Oct 5, 2026
Used Auto Rates | 2019 - 2024
Available for model years 2019 to 2024. Membership eligibility required. First payment may be deferred up to 90 days with interest accruing. Fall Flash Sale offers 0.50% off APR for qualifying loans originated by 09/14/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.29% | Minimum loan amount is $2,500, increasing with longer terms ($4,000 for 24 months, $5,000 for 36 months, $7,500 for 48 months). First payment may be deferred up to 90 days. |
| 55–70 months | 5.44% | — |
| 71–77 months | 5.79% | — |
| 78–84 months | 6.49% | — |
Sources (2)
- communityfirstfl.org/resources/rates/auto-rates
- communityfirstfl.org/personal-banking/loans/auto-loans
All captured Oct 5, 2026
Who can join Community First Credit Union of Florida
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 who lives, works, or attends school in Baker, Brevard, Broward, Clay, Duval, Flagler, Highlands, Indian River, Lake, Manatee, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia County in Florida.
- Membership is open to anyone who lives or works in Brantley, Charlton, Clinch, Coffee, Glynn, Pierce, Ware, or Wayne County in Georgia.
Employers and groups
- Membership is open to employees of select employer groups, including Genesis Health, Miller Electric Company, and Web.com.
Family and household
- Membership is open to relatives of existing or eligible Community First Credit Union of Florida members.
Cost to join
- New members must open a Share Savings Account with a minimum $5 initial deposit held in the share account.
Membership information collected October 5, 2026.