Credit union · NCUA insured
Dade County Federal Credit Union Auto Loan Rates
Dade County Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Dade County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Dade County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dade County Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loans
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
Dade County Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dade County Federal 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 Loans
Rates and terms subject to creditworthiness, income and sufficient collateral requirements. Minimum 6 months' employment required. Maximum loan term up to 72 months. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership required. New vehicle - current or prior year only. As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for lowest rate. The discount cannot be combined with any other special offer or promotion.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 48 months | 4.49% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 60 months | 4.74% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 66 months | 4.99% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 72 months | 5.24% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 75 months | 5.49% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 78 months | 5.74% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 84 months | 5.99% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
| up to 96 months | 6.94% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only. |
Sources (1)
- dcfcu.org/loans/auto-loans · captured Oct 15, 2026
Used Auto Loans
Rates and terms subject to creditworthiness, income and sufficient collateral requirements. Minimum 6 months' employment required. Maximum loan term up to 72 months. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership required. As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 48 months | 4.99% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 60 months | 5.24% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 66 months | 5.49% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 72 months | 5.74% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 75 months | 5.99% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
| up to 78 months | 6.24% | As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion. |
Sources (1)
- dcfcu.org/loans/auto-loans · captured Oct 15, 2026
Who can join Dade County Federal Credit Union
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