Credit union · NCUA insured
FAMU Federal Credit Union Auto Loan Rates
FAMU Federal Credit Union auto loans start at 7.50% APR for a new vehicle and 8.50% for a used one. Rates checked October 15, 2026.
How FAMU Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tallahassee, FL, where FAMU Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FAMU Federal Credit Union
7.50%APR
- Terms
- 43–84 months
- Up to
- 15.00% APR
New/Used 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
- —
FAMU Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.50%
- Used vehicleUsed8.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FAMU 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/Used Auto Loans
Rates effective 6/25/2025. Offered to qualified FAMU FCU members only. Rates based on individual credit worthiness. Variable rate: interest rate/term may change if share rate or certificate rate changes. Mileage notice: If mileage is greater than NADA AVERAGE plus 50,000, add 50 basis points to the approved rate. Late charge: 10% of payment due, maximum $30.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 6.00%–15.00% | Vehicle Age: New and Used Auto (up to 4 model years old) |
| 43–84 months | 7.50%–15.00% | Vehicle Age: New and Used Auto (up to 5 model years old) |
| 1–60 months | 8.50%–15.00% | Vehicle Age: Used Auto (5 to 8 model years old) |
| 1–60 months | 9.50%–15.00% | Vehicle Age: Used Auto (9 to 12 model years old) |
Sources (1)
- famufcu.com/pages/auto-loans.php · captured Oct 7, 2026
Who can join FAMU 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This may be incomplete or out of date, so check with the credit union before you apply.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 the Bethel Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
- Members of the Jacob Chapel Baptist Church in Tallahassee, Florida are eligible for membership.
- Jerusalem Missionary Baptist Church of Tallahassee, Florida is eligible for membership.
- Employees of Metz Culinary Management Food Services at Florida A&M University are eligible for membership.
- Voting members of the Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) located in Tallahassee, Florida are eligible for membership.
- Members of the Tabernacle Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
5 more ways to join
Military, government and schools
- Members of the Florida A&M University National Alumni Association, Inc. are eligible for membership.
- Employees of the Florida A&M University are eligible for membership.
- Employees of the Florida A&M University Federal Credit Union are eligible for membership.
- Students of the Florida A&M University are eligible for membership.
Family and household
- Relatives (spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, and grandchildren) of eligible groups are eligible for membership upon proof of relationship.
Membership information collected October 5, 2026.