Credit union · NCUA insured
FiCare Federal Credit Union Auto Loan Rates
FiCare Federal Credit Union auto loans start at 5.35% APR for a new vehicle and 5.35% for a used one. Rates checked October 15, 2026.
How FiCare Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where FiCare Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FiCare Federal Credit Union
5.35%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
FiCare Federal Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.35%
- Used vehicleUsed5.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FiCare 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.
Auto Loans
Subject to credit approval based upon applicant's conformity with standard credit union approval guidelines. Rates vary by individual credit history and term of loan. All rate discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR. Terms up to 84 months available. Healthcare employees lending solutions; features purchase, refinance, private party purchase, lease buyout, and clear title cash out loan programs. Auto Advisors car buying service offers 1.00% rate discount (not below 4.00% floor). FiCare will beat competitor's qualifying rate subject to 4.00% floor.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.35% | APR as low as 5.35% for terms up to 72 months. Rates vary by individual credit history and term of loan. Floor rate of 4.00% APR applies. Subject to credit approval. |
Sources (4)
All captured Oct 5, 2026
Motorcycle Loans
Subject to credit approval based upon applicant's conformity with standard credit union approval guidelines. Rates, terms, and conditions are subject to change without notice. Rates vary by individual credit history and term of loan. All rates discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR for consumer loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.35% | APR as low as 5.35% for terms up to 72 months. Rates vary by individual credit history and term of loan. Floor rate of 4.00% APR applies. Subject to credit approval. |
Who can join FiCare Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, independent contractors, or self-employed persons who work regularly in the healthcare industry are eligible for membership.
Military, government and schools
- Employees of healthcare academic institutions are eligible for membership.
- Healthcare students are eligible for membership.
Family and household
- Family members of healthcare industry workers, healthcare students, or healthcare academic institution employees are eligible for membership.
- Relatives of a current member of the credit union are eligible for membership.
Cost to join
- An initial share deposit of $5.00 is required to open an account.
Membership information collected October 5, 2026.