Credit union · NCUA insured
RadiFi Credit Union Auto Loan Rates
Top CarrotRadiFi 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 RadiFi Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where RadiFi Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
RadiFi Credit Union
4.99%APR
- Terms
- 49–66 months
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
RadiFi 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 RadiFi 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 Refinance Loan
Refinance offers valid from another lender only; existing RadiFi Credit Union auto loans do not qualify. Eligible vehicles must be model years 2019-2026 (used 2019 or newer). Minimum loan amount is $10,000. 0.25% APR relationship discount available with active RadiFi checking and at least $1,000 in qualifying direct deposits within a 30-day period. Up to 90 days no payment option available (interest accrues).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | Refinance rates as low as 4.75% APR. Minimum loan amount $10,000. 0.25% APR relationship discount available for qualifying members. Sample payment: $20,000 financed for 48 months at 4.75% APR equals approximately $458.32 per month. |
Sources (2)
- radificu.org/personal/auto-loa…to-loan-refinance-radifi
- radificu.org/personal/auto-loans/refi-with-radifi
All captured Oct 5, 2026
Classic Cars
Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. APRs are based on creditworthiness and other criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.75% | — |
| 49–60 months | 10.00% | — |
| 61–72 months | 10.25% | 60-72 Months: $20K minimum. |
Sources (1)
- radificu.org/personal/auto-loans/used · captured Oct 5, 2026
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
For 2025-2026 model year vehicles with less than 7,000 miles. APRs are based on creditworthiness and other criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.59% | — |
| 49–66 months | 4.99% | — |
| 67–78 months | 5.29% | — |
| 79–84 months | 5.99% | 79-84 months: $25K minimum. |
Sources (1)
- radificu.org/personal/auto-loa…to-loan-refinance-radifi · captured Oct 5, 2026
Older Used Auto (2016-2018, less than 100,000 miles)
For 2016-2018 model years with less than 100,000 miles. APRs are based on creditworthiness and other criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.25% | — |
| 49–60 months | 9.50% | — |
Sources (1)
- radificu.org/personal/auto-loans/used · captured Oct 5, 2026
Used Auto, Van, Pickup, SUV (2019-2026)
For 2019-2026 model years. Max mileage is 100,000; mileage could affect the maximum term allowed. APRs are based on creditworthiness and other criteria.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | — |
| 49–66 months | 5.49% | — |
| 67–78 months | 5.79% | 67-78 Months: $15K minimum. |
| 79–84 months | 6.59% | 79-84 Months: $25K minimum. |
Sources (1)
- radificu.org/personal/auto-loans/used · captured Oct 5, 2026
Who can join RadiFi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Duval, Clay, Nassau, Baker, and St. Johns Counties are eligible to join.
Family and household
- Immediate family members of eligible or existing RadiFi members are eligible for membership.
Other ways
- Membership is open nationwide through partnership with the American Consumer Council (ACC), with the one-time fee covered by RadiFi.
Cost to join
- A $5 membership fee is required to establish RadiFi Credit Union membership.
- A $5 minimum deposit is required to establish RadiFi Credit Union membership.
Membership information collected October 5, 2026.