Credit union · NCUA insured
Hello Credit Union Auto Loan Rates
Hello Credit Union auto loans start at 7.99% for a used one. Rates checked October 15, 2026.
How Hello Credit Union’s auto loan rates compare
Compared with banks and credit unions near Panama City, FL, where Hello Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hello Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Innovations Financial Credit Union
2.99%APR
- Terms
- —
2nd-lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
Hello Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hello 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
Promotional refinance offer (Ride the Low Payment Wave). Refinance rates as low as 3.49% APR. Current auto loan must be with another financial institution. Membership required. Valid through 9/30/2026. Payment reduction guaranteed by at least $50/month or receive a one-time $50 incentive (provided within 30 days of decision if criteria met). Payment reduction may result from an extended loan term. Loan approval subject to creditworthiness, vehicle valuation, and verification of current loan terms.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Refinance with rates as low as 3.49% APR. Current auto loan must be with another financial institution. Membership required. Offer valid through 9/30/2026. To qualify for the $50 incentive, borrower must be approved; if monthly payment is not reduced by at least $50, borrower receives a one-time $50 incentive within 30 days of application decision. Payment reduction may be the result of an extended loan term. |
Sources (1)
- hellocu.com/special-offers-and…ment-wave-auto-refinance · captured Oct 15, 2026
New Auto Loan
Up to 100% financing for new autos. Terms up to 84 months. Note 1: Maximum loan term depends on the financed amount, age of collateral, and credit experience of the borrower. In order to qualify for longer loan terms, members must finance at least $15,000 to request 61 to 72 months, and at least $30,000 to request 84 months. New: Current calendar year or never titled.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.49%–17.99% | Up to 84 months. Prime + a Margin of 3.49% - 17.99%. In order to qualify for longer loan terms, members must finance at least $15,000 to request 61 to 72 months, and at least $30,000 to request 84 months. New: Current calendar year or never titled. |
Older Used Auto Loan (10 - 12 Model Years)
For 10 - 12 model years. Note 1: Maximum loan term depends on financed amount, age of collateral, and credit experience.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99%–17.99% | Up to 60 months. Maximum loan term depends on financed amount, age of collateral, and credit experience. |
Used Auto Loan
Up to 100% financing for used autos. Terms up to 84 months. Note 1: Maximum loan term depends on financed amount, age of collateral, and credit experience; must finance at least $15,000 for 61-72 months, and at least $30,000 for 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99%–17.99% | Up to 84 months. Must finance at least $15,000 for 61-72 months, and at least $30,000 for 84 months. |
Who can join Hello 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 individuals who live or work in Bay, Gulf, Jackson, Walton, Washington, Leon, Gadsden, or Wakulla County, Florida.
Employers and groups
- Membership is open to members of the Florida Agriculture Museum and the Friends of Florida State Forests, Inc.
- Membership is open to employees of select employer groups in Leon County, FL.
Military, government and schools
- Membership is open to employees or retirees of the Florida Department of Agriculture and Consumer Services (FDACS).
Family and household
- Membership is open to family members of current members.
Membership information collected October 5, 2026.