Credit union · NCUA insured
Keys FCU Auto Loan Rates
Keys FCU auto loans start at 3.25% APR for a new vehicle and 3.25% for a used one. Rates checked October 15, 2026.
How Keys FCU’s auto loan rates compare
Compared with banks and credit unions near Key West, FL, where Keys FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Keys FCU
3.25%APR
- Terms
- up to 84 months
- Discount
- None included
Keys Auto Loans
2nd-lowest rate
Southernmost FCU
4.75%APR
- Terms
- 49–60 months
- Discount
- None included
3rd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Keys FCU auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.25%
- Used vehicleUsed3.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Keys 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.
Keys Auto Loans
Subject to credit approval. Restrictions may apply. Rate based on creditworthiness and term of loan. Finance up to 125% MSRP (new vehicles) or NADA (used vehicles). No prepayment penalties. ITIN-approved lender.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.25% | Rates as low as 3.25% APR. Terms up to 84 months. Rate based on creditworthiness and term of loan. Pre-approved new or used Keys Federal Credit Union Auto Loan. |
Sources (1)
- keysfcu.org/auto · captured Oct 7, 2026
Who can join Keys FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives or works in the Florida Keys.
Employers and groups
- Membership is open to Florida Keys businesses and non-profit organizations.
Military, government and schools
- Membership is open to members of the local military community.
Family and household
- Membership is open to individuals with an immediate family member who lives or works in the Florida Keys.
Cost to join
- A $5.00 fee is required to join.
Membership information collected October 5, 2026.