Credit union · NCUA insured
JM Associates FCU Auto Loan Rates
Top CarrotJM Associates FCU auto loans start at 4.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How JM Associates FCU’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where JM Associates FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
JM Associates FCU
4.99%APR
- Terms
- up to 60 months
New Cars & Trucks
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
JM Associates FCU auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where JM Associates FCU 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.
Motorcycle - New
Motorcycle loans up to 60 months. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.89% | — |
Sources (1)
- jmafcu.org/rates · captured Oct 15, 2026
Motorcycle - Used
Motorcycle loans up to 60 months. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | — |
Sources (1)
- jmafcu.org/rates · captured Oct 15, 2026
New Cars & Trucks
Vehicle not previously titled, or dealer program car with less than 20,000 miles not previously titled. Members may acquire vehicle loans with payment periods of up to 84 months and financing up to 100% of dealer cost (not to exceed purchase price plus taxes, tag, insurance, and extended warranty). Rates based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | — |
| up to 60 months | 4.99% | — |
| up to 66 months | 5.05% | — |
| up to 75 months | 5.49% | — |
| up to 84 months | 6.24% | Minimum $35,000 |
Used Cars & Trucks 2020-2026
Any vehicle not fitting the definition of new and less than seven (7) model years old (2020-2026). Members may acquire vehicle loans with payment periods of up to 84 months and financing up to 100% of current NADA retail value (not to exceed purchase price plus taxes, tag, insurance, and extended warranty). Rates based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.24% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.74% | — |
| up to 84 months | 6.49% | Minimum $35,000 |
Who can join JM Associates FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates, retirees, and interns of JM Family Enterprises, Inc. and its affiliated companies are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, sibling, grandparent, or grandchild, including step and adoptive relationships) or surviving spouses of JMAFCU members are eligible for membership.
Cost to join
- Membership requires a $5 deposit into a Share Savings account.
- Membership requires a $5 membership fee.
Membership information collected October 5, 2026.