Credit union · NCUA insured
My Pensacola Credit Union Auto Loan Rates
My Pensacola Credit Union auto loan rates start at 3.79% APR. Rates checked October 15, 2026.
How My Pensacola Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where My Pensacola Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
My Pensacola Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
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 Special
Auto Loan Special (Frightfully Good Deals) for purchases & refinances running October 19 - November 14, 2026 (four weeks only). Application must be received by November 14, 2026, and close by December 15, 2026. Pre-approvals start October 5. Existing Credit Union loans do not apply; no other offer may be applied. Subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| 36–120 months | 3.79% | Rates as low as 3.79% APR. Terms range from 36 months to 120 months depending on loan type. Good for purchases & refinances. Promotional period October 19 to November 14, 2026; application must be received by November 14, 2026 and close by December 15, 2026. Rates and payment options based on creditworthiness, term, and other factors. Existing Credit Union loans do not apply. |
Sources (1)
- mypensacolacu.com/Borrow/Vehicle/Auto-Loans · captured Oct 15, 2026
Auto Loans (New)
Rates and terms subject to credit approval and membership eligibility. Loan terms up to 86 months; interest rates determined by credit score, loan term, vehicle age, mileage, and LTV. No processing fees; no early payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 86 months | 3.99%–17.99% | Rates and payment options based on creditworthiness, term, and other factors. Lowest rate available for terms up to 36 months. Terms up to 86 months. |
Sources (2)
All captured Oct 15, 2026
Auto Loans (Used)
Used vehicles up to 10 years old. Rates and terms subject to credit approval and membership eligibility. Loan terms up to 86 months; interest rates determined by credit score, loan term, vehicle age, mileage, and LTV. No processing fees; no early payoff penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 86 months | 3.99%–17.99% | Rates and payment options based on creditworthiness, term, and other factors. Lowest rate available for terms up to 36 months. Rates and terms same for new and used (up to 10 years old). Terms up to 86 months. |
Sources (2)
All captured Oct 15, 2026
Motorcycle & ATV Loans (New)
Motorcycle & ATV loans for new vehicles. Loan rate effective date October 1, 2026. Rates and payment options based on creditworthiness, term, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 86 months | 3.99%–17.99% | Rates and payment options based on creditworthiness, term, and other factors. Stated for terms up to 86 months. |
Sources (1)
- mypensacolacu.com/Rates/Loan-Rates · captured Oct 15, 2026
Motorcycle & ATV Loans (Used)
Motorcycle & ATV loans for used vehicles. Loan rate effective date October 1, 2026. Rates and payment options based on creditworthiness, term, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 86 months | 3.99%–17.99% | Rates and payment options based on creditworthiness, term, and other factors. Stated for terms up to 86 months. |
Sources (1)
- mypensacolacu.com/Rates/Loan-Rates · captured Oct 15, 2026
Who can join My Pensacola Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.