Credit union · NCUA insured
Radiant Credit Union Auto Loan Rates
Top CarrotRadiant Credit Union auto loans start at 4.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 15, 2026.
How Radiant Credit Union’s auto loan rates compare
Compared with banks and credit unions near Gainesville, FL, where Radiant Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Radiant Credit Union
4.79%APR
- Terms
- up to 75 months
- Discount
- None included
Auto Loans
2nd-lowest rate
Suncoast Credit Union
5.09%APR
- Terms
- up to 72 months
- Discount
- None included
3rd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Radiant Credit Union auto loan score
86
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Radiant 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 Refinance
Flexible loan terms up to 84 months (New) and 75 months (Used). No loan application fees and no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 4.79% | New car financing up to 120% of sale price. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union. |
| up to 75 months | 5.19% | Used car financing up to 110% of sale price. Used autos are eight (8) years old or newer. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union. |
Sources (3)
All captured Oct 7, 2026
Auto Loans
All loans subject to credit approval. Flexible loan terms up to 84 months. No loan application fees and no pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 4.79% | New car financing up to 120% of sale price. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union. |
| up to 75 months | 5.19% | Used car financing up to 110% of sale price. Used autos are eight (8) years old or newer. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union. |
Sources (3)
All captured Oct 7, 2026
Who can join Radiant Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Incorporated and unincorporated organizations located in or maintaining a facility in the specified 22 Florida counties are eligible for membership.
- Persons who live, work (or regularly conduct business in), worship, attend school, or participate in associations headquartered in the specified 22 Florida counties are eligible for membership.
Family and household
- Immediate family members of current members, including spouses, children, siblings, parents, grandparents, grandchildren, step-relatives, and adoptive relationships, are eligible to join.
- Spouses of persons who died while within the field of membership of Radiant Credit Union are eligible to join.
Membership information collected October 5, 2026.