Credit union · NCUA insured
PowerNet Credit Union Auto Loan Rates
PowerNet Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How PowerNet Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where PowerNet Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PowerNet Credit Union
4.99%APR
- Terms
- 43–60 months
- Up to
- —
New Auto
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
PowerNet Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PowerNet 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
Limited time offer. Fixed rates as low as stated.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.49% | Rate as low as stated. |
| 13–42 months | 4.24% | Rate as low as stated. |
| 43–60 months | 4.99% | Rate as low as stated. |
| 61–72 months | 5.49% | Rate as low as stated. |
| up to 72 months | 3.49% | New cars are financed for a term up to 72 months. * Rate for the first year. |
New and Used Motorcycles
Rates are Annual Percentage Rate (APR). Rates and terms are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.00% | Rate as low as stated. |
Sources (1)
- powernetcu.org/index.php/loans · captured Oct 5, 2026
Used Auto
Limited time offer. Fixed rates as low as stated. Used cars may be financed from 24 to 60 months depending on the year of the car.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 3.99% | Rate as low as stated. |
| 13–42 months | 4.74% | Rate as low as stated. |
| 43–60 months | 5.49% | Rate as low as stated. |
| 61–72 months | 5.99% | Rate as low as stated. |
Who can join PowerNet Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to organizations and affiliations of Florida Building and Construction unions, including employees of the unions.
- Membership is open to all Florida Building and Construction unions, their members, and retirees as pensioners or annuitants of local unions.
Family and household
- Membership is open to relatives of union employees and relatives of union members.
- Membership is open to spouses of members that died while a member.
Cost to join
- To open an account, a $5 share deposit is required to open a savings account; there are no fees to join.
Membership information collected October 5, 2026.