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Credit union · NCUA insured

Gold Coast Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 92Top Carrot

Gold Coast Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.74% for a used one. Rates checked October 15, 2026.

How Gold Coast Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Miami, FL, where Gold Coast Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 92

    This credit union’s lowest

    Gold Coast Federal Credit Union

    4.24%APR

    Terms
    —
    Up to
    14.99% APR

    Auto Loan

  • Top Carrot, Carrot Score 91

    Lowest rate

    SUN Credit Union

    3.99%APR

    Terms
    —
    Up to
    —

    SUN Credit Union rates

  • Top Carrot, Carrot Score 94

    2nd-lowest rate

    American Airlines Federal Credit Union

    4.09%APR

    Terms
    37–60 months
    Up to
    13.14% APR

    American Airlines Federal Credit Union rates

Compare auto loan rates near you →

Gold Coast Federal Credit Union auto loan score

91

Auto loan score

Higher than 91% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.24%
  • 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.

How the score works →

Where Gold Coast 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.

Who can join Gold Coast Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Open to anyone

  • Anyone can become eligible for membership by making a $5 donation to the New Horizons Elementary School PTA.

Where you live or work

  • Eligibility is open to anyone living, working, or worshiping in the specified Delray Beach geographic area.

Employers and groups

  • Employees and affiliated individuals of participating affiliate employers and organizations in Martin, Okeechobee, Palm Beach, and St. Lucie Counties are eligible to join.
  • Members of Independent Order of Foresters subordinate courts located in Florida under the High Court of Southeastern United States in Lake Park, Florida are eligible.

Military, government and schools

  • Employees of any primary and secondary public, private, or parochial school, college, or university in Palm Beach, St. Lucie, or Okeechobee Counties, Florida are eligible to join.
  • Students attending grades 1 through 12 in the school district of Palm Beach County, Florida are eligible for membership.
5 more ways to join

Family and household

  • Immediate family members (including spouse, child, sibling, parent, grandparent, stepparent, stepchild, stepsiblings, and adoptive relationships) of a current member or eligible person qualify.
  • Persons residing in the household of a current member or person eligible to join who maintain a single economic unit are eligible.
  • Immediate family members of students attending grades 1 through 12 in the school district of Palm Beach County, Florida are eligible to join.
  • Spouses of persons who died while within the field of membership of the credit union are eligible.

Other ways

  • Persons retired as pensioners or annuitants from any credit union affiliate are eligible for membership.

Cost to join

  • A $5 donation to the New Horizons Elementary School PTA is required for membership eligibility via that path.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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