Credit union · NCUA insured
Florence Federal Credit Union Auto Loan Rates
Florence Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Florence Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Florence, AL, where Florence Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Florence Federal Credit Union
5.00%APR
- Terms
- up to 60 months
Auto Loans
2nd-lowest rate
Railway Employees
5.00%APR
- Terms
- —
3rd-lowest rate
Alabama Central CU
5.25%APR
- Terms
- up to 60 months
Florence Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Florence 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
Approval subject to credit worthiness. Rates quotes are best available and subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | New/Used (Current yr - 3 yrs old) 2026-2023 |
| up to 60 months | 5.00% | New/Used (Current yr - 3 yrs old) 2026-2023 |
| up to 72 months | 5.25% | New/Used (Current yr - 3 yrs old) 2026-2023 |
| up to 84 months | 5.75% | New/Used (Current yr - 3 yrs old) 2026-2023 |
| up to 96 months | 6.00% | New/Used (Current yr - 3 yrs old) 2026-2023; A-B Tiers Only |
| up to 72 months | 5.75% | Used Automobile 4-6 yrs old (2022-2020) |
| up to 60 months | 5.50% | Used Automobile 4-6 yrs old (2022-2020) |
| up to 54 months | 6.00% | Used Automobile 7-10 yrs old (2019-2016) |
| up to 48 months | 7.00% | Used Automobile 11-19 yrs old (2015-2007) |
| up to 54 months | 7.50% | Salvage Automobiles - NADA Rough Value 10 yrs and newer |
Who can join Florence Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Lauderdale County or Colbert County, Alabama are eligible for membership.
Other ways
- Businesses and other legal entities in Colbert and Lauderdale Counties are eligible to become members.
Cost to join
- Membership requires a $25 share deposit that must remain in your account.
- Membership requires a $1 fee.
Membership information collected October 4, 2026.