Credit union · NCUA insured
McCoy Federal Credit Union Auto Loan Rates
McCoy Federal Credit Union auto loans start at 5.40% APR for a new vehicle and 5.65% for a used one. Rates checked October 15, 2026.
How McCoy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orlando, FL, where McCoy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
McCoy Federal Credit Union
5.40%APR
- Terms
- up to 84 months
NEW Auto & Truck
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
Unity of Eatonville FCU
3.99%APR
- Terms
- up to 72 months
McCoy Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.40%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where McCoy Federal 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.
NEW Auto & Truck
Membership eligibility required. Actual APR depends on credit score/history, loan term, and amount requested/financed. Not available for refinance of existing McCoy Federal Credit Union loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.40% | Disclosed APR for well-qualified borrowers and a term of up to 84 months. Payment example: $20,000 loan at 5.40% APR; 84 monthly payments of approximately $286.45. |
NEW Motorcycle
| Terms | APR | Conditions |
|---|---|---|
| — | 6.25% | — |
Sources (4)
- es.mccoyfcu.org/rates/consumer-loans.html
- mccoyfcu.org/current-rates
- mccoyfcu.org/loans-and-credit-cards
- mccoyfcu.org/rates/consumer-loans.html
All captured Oct 5, 2026
USED Motorcycle
| Terms | APR | Conditions |
|---|---|---|
| — | 6.50% | — |
Sources (4)
- es.mccoyfcu.org/rates/consumer-loans.html
- mccoyfcu.org/current-rates
- mccoyfcu.org/loans-and-credit-cards
- mccoyfcu.org/rates/consumer-loans.html
All captured Oct 5, 2026
Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.65% | Disclosed APR for well-qualified borrowers. Payment example: $20,000 at 5.65% APR; 84 monthly payments of approximately $306.97. |
| up to 78 months | 5.65% | Limited-time offer for qualified buyers; up to 78 months. Payment example: $20,000 loan at 5.65% APR; 78 monthly payments of approximately $306.97. Not available for refinance of existing McCoy FCU loans. |
Who can join McCoy Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.