Credit union · NCUA insured
Miami Firefighters Federal Credit Union Auto Loan Rates
Top CarrotMiami Firefighters Federal Credit Union auto loans start at 4.09% APR for a new vehicle and 4.59% for a used one. Rates checked October 5, 2026.
How Miami Firefighters Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Miami Firefighters Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Miami Firefighters Federal Credit Union
4.09%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Miami Firefighters Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.09%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Miami Firefighters 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.
Auto Loan
The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.59% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 36 months | 3.99% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 48 months | 3.84% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 48 months | 4.24% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 60 months | 4.09% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 60 months | 4.59% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 66 months | 4.44% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 66 months | 4.84% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 72 months | 4.69% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 72 months | 5.09% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 84 months | 5.44% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
| up to 84 months | 5.84% | The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. |
Sources (1)
- mffcu.org/borrow/auto · captured Oct 5, 2026
AutoSense Loan
Balloon financing auto loan. Rates shown are for illustrative purposes and based on A+ credit (score 730+), 100% LTV, and all available discounts including 0.50% discount for direct deposit and automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.74% | Fixed APR based on A+ credit (730+ score), 100% LTV, direct deposit and automatic payments discount (0.50%), with a balloon payment due at maturity. |
Sources (1)
- mffcu.org/borrow/auto · captured Sep 18, 2026
Who can join Miami Firefighters Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Miami Firefighters FCU are eligible for membership.
- Members or employees associated with Local 1907 are eligible for membership.
- Active or retired members of Local 3080 across listed jurisdictions/units are eligible for membership.
- Active or retired members of Local 4321 are eligible for membership.
Military, government and schools
- Employees of the Village of Key Biscayne are eligible for membership.
- Active or retired employees of the City of Miami Fire Department are eligible for membership.
3 more ways to join
Military, government and schools
- Employees of the City of Miami Firefighters and Police Officers Retirement Trust are eligible for membership.
- Active or retired employees of select fire departments (Miami Beach Fire Department, Coral Gables Fire Department, Palm Beach County Fire Department – Local 2928, Delray Beach Fire Department – Local 1842, Hialeah Fire Department – Local 1102, Hollywood Fire Department – Local 1375, Miramar Fire Department – Local 2820, or Martin County Fire Rescue – Local 2959) are eligible for membership.
Family and household
- Immediate family members by blood or marriage, widows or widowers, and anyone sharing a household with eligible groups qualify for membership.
Membership information collected October 5, 2026.