Credit union · NCUA insured
Gulf Winds Credit Union Auto Loan Rates
Gulf Winds Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Gulf Winds Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where Gulf Winds Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gulf Winds Credit Union
5.49%APR
- Terms
- up to 66 months
- Up to
- 13.34% APR
Auto Loans
Lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Gulf Winds Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gulf Winds 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
Rates as of 10/15/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Pre-qualification with no credit impact; rates good for up to 30 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–10.34% | Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days. |
| up to 66 months | 5.49%–13.34% | Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days. |
| up to 75 months | 5.99%–14.34% | Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days. |
| up to 84 months | 6.24%–17.99% | Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days. |
Who can join Gulf Winds Credit Union
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