Credit union · NCUA insured
Floridacentral Credit Union Auto Loan Rates
Floridacentral Credit Union auto loans start at 5.50% APR for a new vehicle and 6.25% for a used one. Rates checked October 15, 2026.
How Floridacentral Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where Floridacentral Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Floridacentral Credit Union
5.50%APR
- Terms
- up to 72 months
New Car
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Floridacentral Credit Union auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Floridacentral 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 Loan Refinance
Applies only to auto loan refinances from other financial institutions; existing Floridacentral loans and refinance requests involving a change in ownership are excluded. Membership eligibility required. Approval is based on individual creditworthiness and vehicle year, make, model, and mileage. Cannot be combined with other promotions or Legends Loans discount. Rate may be higher for LTV over 125%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Limited-time promotional rate as low as 4.99% APR for terms up to 60 months. Optional 90-day no payment period during which interest accrues. A 60-month loan with a 4.99% APR has an estimated monthly payment of $18.87 per thousand dollars borrowed. Longer terms may be available and may impact APR. Rate may be higher for LTV over 125%. |
Sources (2)
- floridacentralcu.com/special-loan-programs/legends-loans
- floridacentralcu.com/vehicle-loans/auto-loan-refinance
All captured Oct 15, 2026
New Car
Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make, and model of vehicle, and term of loan. Rates effective as of October 15, 2026. Payment does not include insurance. Eligible for Legends Loan rate discounts (up to 0.35% direct with checking and autopay/auto transfer; up to 0.10% indirect at dealership with checking and autopay/direct deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.50% | As low as rate for terms up to 72 months on new cars. A 72-month loan with a 5.50% APR has an estimated monthly payment of $16.34 per thousand dollars borrowed. May be eligible for longer terms subject to approval at potentially higher rates. |
Sources (2)
- floridacentralcu.com/special-loan-programs/legends-loans
- floridacentralcu.com/vehicle-loans/auto-loans
All captured Oct 15, 2026
New Mobility Vehicle
Financing for vehicles equipped with accessibility modifications. APR based on applicant's creditworthiness, year, make, model, equipment, loan amount, and repayment term. Combinable rate discounts up to 0.60% total (up to 0.35% Legends Loan discount and eligible GAP discount).
| Terms | APR | Conditions |
|---|---|---|
| up to 120 months | 6.99% | As low as rate for terms up to 120 months. Example given for a 72-month term at 6.99% APR with no down payment has an estimated monthly payment of $17.05 per thousand dollars borrowed. May be eligible for longer terms subject to approval. |
Sources (1)
- floridacentralcu.com/vehicle-l…s/mobility-vehicle-loans · captured Oct 15, 2026
Used Car
Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make, and model of vehicle, and term of loan. Rates effective as of October 15, 2026. Payment does not include insurance. Eligible for Legends Loan rate discounts (up to 0.35% direct with checking and autopay/auto transfer; up to 0.10% indirect at dealership with checking and autopay/direct deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.25% | As low as rate for terms up to 72 months on used cars. A 72-month loan with a 6.25% APR has an estimated monthly payment of $16.70 per thousand dollars borrowed. May be eligible for longer terms subject to approval at potentially higher rates. |
Sources (2)
- floridacentralcu.com/special-loan-programs/legends-loans
- floridacentralcu.com/vehicle-loans/auto-loans
All captured Oct 15, 2026
Used Mobility Vehicle
Financing for eligible used vehicles equipped with accessibility modifications. APR based on applicant's creditworthiness, year, make, model, equipment, loan amount, and repayment term. Combinable rate discounts up to 0.60% total (up to 0.35% Legends Loan discount and eligible GAP discount).
| Terms | APR | Conditions |
|---|---|---|
| up to 120 months | 6.99% | As low as rate for terms up to 120 months. Example given for a 72-month term at 6.99% APR with no down payment has an estimated monthly payment of $17.05 per thousand dollars borrowed. May be eligible for longer terms subject to approval. |
Sources (1)
- floridacentralcu.com/vehicle-l…s/mobility-vehicle-loans · captured Oct 15, 2026
Who can join Floridacentral Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota County, Florida.
Employers and groups
- Eligibility is open to individuals who work for a participating organization.
Family and household
- Eligibility is open to individuals who qualify through an immediate family member.
Cost to join
- A $5 initial share deposit opens a Member Share Account and establishes membership in Floridacentral Credit Union.
Membership information collected October 5, 2026.