Credit union · NCUA insured
Orlando Credit Union Auto Loan Rates
Orlando Credit Union auto loans start at 4.55% APR for a new vehicle and 4.85% for a used one. Rates checked October 15, 2026.
How Orlando Credit Union’s auto loan rates compare
Compared with banks and credit unions near Orlando, FL, where Orlando Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Orlando Credit Union
4.55%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans - Model Year 2025 and newer
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Discount
- None included
2nd-lowest rate
Unity of Eatonville FCU
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Orlando Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed4.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Orlando 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 Loans - Model Year 2025 and newer
Subject to credit union membership eligibility, credit approval and verification of information provided on the application. Vehicle must be titled and registered in the state of Florida. Advertised rate includes 0.50% discount applicable to Local Heroes Auto Financing Program.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. |
| up to 48 months | 4.40% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. |
| up to 60 months | 4.55% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. |
| up to 72 months | 4.75% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. |
| up to 84 months | 5.45% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Minimum loan amount: $25,000; Maximum mileage: 60,000 miles. Individual rates determined by credit score, credit history, promotional discounts and loan term. |
Sources (1)
- orlandocreditunion.org/rates/checking-savings-rates · captured Oct 5, 2026
Used Auto Loans - Model Year 2024-2022
Subject to credit union membership eligibility, credit approval and verification of information provided on the application. Vehicle must be titled and registered in the state of Florida. Advertised rate includes 0.50% discount applicable to Local Heroes Auto Financing Program. Vehicles 2021 or older incur 1% rate add-on.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. 2021 or older incurs 1% rate add-on. |
| up to 48 months | 4.70% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. 2021 or older incurs 1% rate add-on. |
| up to 60 months | 4.85% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. 2021 or older incurs 1% rate add-on. |
| up to 72 months | 5.10% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term. 2021 or older incurs 1% rate add-on. |
| up to 84 months | 5.80% | APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Minimum loan amount: $25,000; Maximum mileage: 60,000 miles; Not available for vehicles 2020 or older. Individual rates determined by credit score, credit history, promotional discounts and loan term. 2021 or older incurs 1% rate add-on. |
Sources (1)
- orlandocreditunion.org/rates/checking-savings-rates · captured Oct 5, 2026
Who can join Orlando Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone living in the United States can become a member by joining the Orlando Credit Union Charitable Foundation.
Where you live or work
- Membership is open to individuals who live, work, or worship in Brevard, Hillsborough, Lake, Orange, Osceola, Polk, Seminole, or Volusia County.
Family and household
- Membership is open to family members (spouse, children, siblings, parents, step-parents, grandchildren, and grandparents) of current Orlando Credit Union members.
Cost to join
- A $5 share deposit into an Ownership Share account is required to establish membership, and that money remains the member's.
Membership information collected October 5, 2026.