Credit union · NCUA insured
Educational Federal Credit Union Auto Loan Rates
Educational Federal Credit Union auto loans start at 5.09% APR for a new vehicle and 5.34% for a used one. Rates checked October 15, 2026.
How Educational Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Educational Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Educational Federal Credit Union
5.09%APR
- Terms
- —
- Up to
- —
New Vehicles
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Educational Federal Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational 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 Vehicles
Up to 100% financing dependent on vehicle type and creditworthiness. An automobile is considered new if it is less than one model year old and has less than 12,000 miles on the odometer. An additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.09% | Rates start as low as 5.09% APR. Up to 100% financing dependent on vehicle type and creditworthiness. Additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer. |
Sources (1)
- edfed.org/loans/vehicles · captured Oct 7, 2026
Used Vehicles
Up to 100% financing dependent on vehicle type and creditworthiness. Automobiles that do not meet the new vehicle requirements (less than one model year old and less than 12,000 miles) are considered used. An additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.34% | Rates start as low as 5.34% APR. Up to 100% financing dependent on vehicle type and creditworthiness. Additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer. |
Sources (1)
- edfed.org/loans/vehicles · captured Oct 7, 2026
Who can join Educational Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of designated affiliated associations and organizations.
Military, government and schools
- Employees or retirees (pensioners/annuitants) of designated educational institutions and organizations in Florida.
- Students of designated educational institutions in Florida.
Family and household
- Immediate family members of individuals within the credit union's field of membership.
- Household members living in the same residence and maintaining a single economic unit with an eligible individual.
Other ways
- Revocable and Irrevocable Trusts where all grantors or all beneficiaries qualify for membership.
Membership information collected October 5, 2026.