Credit union · NCUA insured
MIDFLORIDA Credit Union Auto Loan Rates
MIDFLORIDA Credit Union auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 15, 2026.
How MIDFLORIDA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lakeland, FL, where MIDFLORIDA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MIDFLORIDA Credit Union
5.64%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
BCU
4.34%APR
- Terms
- 37–75 months
MIDFLORIDA Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MIDFLORIDA 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 Loans
Financing and refinancing available for new and used cars, trucks, and SUVs. Membership eligibility requirements apply. Rates are based on credit score and subject to change. Rates differ for first-time buyers or those requiring a co-signor. Repayment terms up to 72 months, or up to 84 months on luxury cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.64% | Applicable to 2025 and newer autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change. |
| up to 72 months | 5.89% | Applicable to 2024 autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change. |
| up to 72 months | 6.39% | Applicable to 2023 autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change. |
| up to 72 months | 7.14% | Applicable to 2022 and 2021 autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change. |
Sources (2)
All captured Oct 5, 2026
Who can join MIDFLORIDA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in any of MIDFLORIDA's 59 counties is eligible to join.
Membership information collected October 5, 2026.