Credit union · NCUA insured
Connect Credit Union Auto Loan Rates
Top CarrotConnect Credit Union auto loans start at 5.24% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Connect Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Connect Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Connect Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Auto
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Connect Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Connect 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
New Autos are defined as model years 2024 through 2026 with fewer than 36,000 miles. Requires Connect Credit Union membership. Rates include a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for purchase of CCU Extended Warranty and -0.25% APR for purchase of CCU GAP Insurance. Rates will not be offered below floor rate of 4.49% APR. Qualified borrowers can enjoy up to 90 days no payments (finance charge begins from date of purchase and is repaid over the term). Pre-owned vehicles older than model year 2024 or with more than 36,000 miles may be subject to higher rates and must go through standard underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies. |
| up to 48 months | 4.74% | Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies. |
| up to 60 months | 5.24% | Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies. |
| up to 72 months | 5.24% | Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies. |
| up to 84 months | 5.74% | Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies. |
Used Auto
Used Autos are defined as vehicles over 3 years old or over 36,000 miles. Pre-owned vehicles older than model year 2024 or with more than 36,000 miles may be subject to higher rates and must go through standard underwriting. Requires Connect Credit Union membership. No prepayment penalties. Qualified borrowers can enjoy up to 90 days no payments (finance charge begins from date of purchase and is repaid over the term). Rates will not be offered below floor rate of 4.49% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| up to 48 months | 5.74% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.74% | — |
Who can join Connect Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Brevard, Broward, Charlotte, Citrus, Collier, De Soto, Duval, Flagler, Glades, Hardee, Osceola, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Palm Beach, Pasc0, Pinellas, Polk, Sarasota, Seminole, St Johns, St Lucie, or Volusia County in Florida are eligible for membership.
Employers and groups
- Employees of Connect Credit Union are eligible for membership.
- Employees of firms who have a current contract with the Florida Department of Transportation are eligible for membership.
Military, government and schools
- Retirees of the Florida Department of Transportation are eligible for membership.
- Current employees of the State of Florida are eligible for membership.
Family and household
- Immediate family members of a current member of the Credit Union are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Share Savings Account with a small deposit.
Membership information collected October 5, 2026.