Credit union · NCUA insured
Florida Credit Union Auto Loan Rates
Top CarrotFlorida Credit Union auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 7, 2026.
How Florida Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ocala, FL, where Florida Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Florida Credit Union
5.39%APR
- Terms
- up to 60 months
- Discount
- None included
Auto/Truck Rates (Model 2025 and newer)
Lowest rate
Radiant Credit Union
4.79%APR
- Terms
- up to 75 months
- Discount
- None included
2nd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Florida Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 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/Truck Rates (Model 2023 - 2024)
Subject to credit approval. Membership is required. $100 application/processing fee. Specific rate and term dependent on credit rating, collateral value, amount financed, vehicle year and mileage, and auxiliary products. Minimum loan amount $5,000. 100% financing available (LTV over 100% subject to 0.25 rate increase). Option to defer payments for first 90 days (interest accrues from inception; minimum credit score applies).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.46% | Rate as low as 5.290%, APR as low as 5.457% for 36-month term. Model 2023 - 2024. |
| up to 60 months | 5.49% | Rate as low as 5.390%, APR as low as 5.493% for 60-month term. Model 2023 - 2024. |
| up to 72 months | 5.73% | Rate as low as 5.640%, APR as low as 5.727% for 72-month term. Model 2023 - 2024. |
Sources (1)
- flcu.org/fcu-rates/loan-rates · captured Oct 7, 2026
Auto/Truck Rates (Model 2025 and newer)
Subject to credit approval. Membership is required. $100 application/processing fee. Specific rate and term dependent on credit rating, collateral value, amount financed, vehicle year and mileage, and auxiliary products. Minimum loan amount $5,000. 100% financing available (LTV over 100% subject to 0.25 rate increase). Option to defer payments for first 90 days (interest accrues from inception; minimum credit score applies).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.36% | Rate as low as 5.190%, APR as low as 5.357% for 36-month term. Model 2025 and newer. |
| up to 60 months | 5.39% | Rate as low as 5.290%, APR as low as 5.393% for 60-month term. Model 2025 and newer. |
| up to 72 months | 5.53% | Rate as low as 5.440%, APR as low as 5.527% for 72-month term. Model 2025 and newer. |
Who can join 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 within Florida Credit Union's 48-county field of membership.
Cost to join
- Members are subject to maintaining a minimum $5 balance in savings upon approval.
Membership information collected October 5, 2026.