Credit union · NCUA insured
Members First CU of Florida Auto Loan Rates
Members First CU of Florida auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Members First CU of Florida’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where Members First CU of Florida has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members First CU of Florida
4.49%APR
- Terms
- up to 84 months
- Up to
- 16.99% APR
New Vehicle
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
- —
Members First CU of Florida auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members First CU of Florida 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.
Classic Vehicle
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99%–16.99% | Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions. |
Sources (1)
- membersfirstfl.org/personal/rates/loan-rates · captured Oct 7, 2026
Miscellaneous Collateral (New or Used)
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99%–15.99% | Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions. |
Sources (1)
- membersfirstfl.org/personal/rates/loan-rates · captured Oct 7, 2026
New Vehicle
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–16.99% | Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions. |
| up to 48 months | 4.74% | 4.74% on new and used vehicles for terms up to 48 months. |
Sources (1)
- membersfirstfl.org/personal/rates/loan-rates · captured Oct 7, 2026
New and Used Motorcycle
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.24%–17.99% | Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions. |
Sources (1)
- membersfirstfl.org/personal/rates/loan-rates · captured Oct 7, 2026
Used Vehicle
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–16.99% | Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions. |
| up to 48 months | 4.74% | 4.74% on new and used vehicles for terms up to 48 months. |
Sources (1)
- membersfirstfl.org/personal/rates/loan-rates · captured Oct 7, 2026
Who can join Members First CU of Florida
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or work in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Employers and groups
- Current, former, and retired employees or groups on retainer or holding a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, or Cyanamid Employees Credit Union are eligible for membership.
- Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial are eligible for membership.
Military, government and schools
- Members or associate members of the Escambia Retired Educators Association are eligible for membership.
- Active or retired employees of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
- Employees of the State of Florida who work in Escambia, Santa Rosa, Okaloosa, or Walton County, Florida are eligible for membership.
3 more ways to join
Military, government and schools
- Students or former students of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Family and household
- Members of the immediate family of any eligible individual are eligible for membership.
Other ways
- All members of Florida State Employees Federal Credit Union as of the effective date of the merger into Members First Credit Union of Florida are eligible for membership.
Cost to join
- There is no membership fee to open an account; members must maintain a Regular Savings (Share) Account with a minimum balance of $5.00.
Membership information collected October 5, 2026.