Credit union · NCUA insured
First Florida Credit Union Auto Loan Rates
First Florida Credit Union auto loans start at 5.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.
How First Florida Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where First Florida Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Florida Credit Union
5.74%APR
- Terms
- 79–84 months
Auto Loans (new & used)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
First Florida Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Florida 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 (new & used)
Membership eligibility required. Financing available for new and used vehicles, as well as refinancing. Up to 100% financing available. Optional payment deferral up to 90 days from loan closing with interest continuing to accrue (excludes loans already financed at First Florida Credit Union and indirect loans). Rate is based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| 1–42 months | 4.74% | Rate based on creditworthiness. Daily periodic rate is 0.01299%. |
| 43–54 months | 4.74% | Rate based on creditworthiness. Daily periodic rate is 0.01299%. |
| 55–66 months | 4.74% | Rate based on creditworthiness. Daily periodic rate is 0.01299%. |
| 67–78 months | 4.99% | $18,000 minimum loan amount. Rate based on creditworthiness. Daily periodic rate is 0.01367%. |
| 79–84 months | 5.74% | $25,000 minimum loan amount; new vehicles only. Rate based on creditworthiness. Daily periodic rate is 0.01573%. |
Sources (2)
All captured Oct 5, 2026
Motorcycle Loan Rates (new & used)
Rate based on creditworthiness. Payment example provided for $20,000 loan at 6.75% APR for 48 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.75% | Rate based on creditworthiness. Daily periodic rate is 0.01849%. |
Sources (1)
- firstflorida.org/rates/loan-rates · captured Oct 5, 2026
Who can join First Florida Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in specified Florida counties.
Employers and groups
- Eligible for membership through one of First Florida's Select Employee Groups.
Family and household
- The entire family of an existing member is eligible for membership through member sponsorship, regardless of state residency.
Cost to join
- A minimum deposit of $5.00 to a Savings Prime Share Account is required to join.
Membership information collected October 5, 2026.