Credit union · NCUA insured
Loyalty CU Auto Loan Rates
Loyalty CU auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Loyalty CU’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where Loyalty CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Loyalty CU
4.74%APR
- Terms
- up to 60 months
- Up to
- 17.97% APR
New Autos & Motorcycles
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
- —
Loyalty CU auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.74%
- 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 Loyalty CU 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
Membership required (purchase of one share at $5 par value). Credit subject to approval. Loan term based on loan amount, Loan to Value, and vehicle age.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.47% | Rates as low as 4.47% APR. Rate based on creditworthiness and term of loan. Terms up to 84 months. |
Sources (1)
- loyaltycu.org/auto-loans · captured Oct 7, 2026
My First Auto Loan
Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.47% | Up to 72 months; up to $20,000 financed. |
Sources (1)
- loyaltycu.org/loan-rates · captured Oct 7, 2026
New Autos & Motorcycles
Rate based on creditworthiness and term of loan. Up to a 0.25% discount on the rate for a Fully Electric Vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 36 months | 4.24%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 48 months | 4.24%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 60 months | 4.74%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 72 months | 5.37%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 84 months | 5.62%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
Sources (1)
- loyaltycu.org/loan-rates · captured Oct 7, 2026
Used Autos & Motorcycles
Rate based on creditworthiness and term of loan. Up to a 0.25% discount on the rate for a Fully Electric Vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 36 months | 4.74%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 48 months | 4.74%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 60 months | 5.24%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 72 months | 5.62%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
| up to 84 months | 5.77%–17.97% | Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle. |
Sources (1)
- loyaltycu.org/loan-rates · captured Oct 7, 2026
Who can join Loyalty CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Citizens of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties are eligible for membership.
Cost to join
- Opening an account requires a $5.00 deposit into a savings account.
Membership information collected October 5, 2026.