Credit union · NCUA insured
San Antonio Citizens Federal Credit Union Auto Loan Rates
San Antonio Citizens Federal Credit Union auto loan rates start at 4.75% APR. Rates checked October 15, 2026.
How San Antonio Citizens Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where San Antonio Citizens Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
San Antonio Citizens Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
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 Refinance Promotional Offer
Promotional limited time offer for consumer vehicle loans (cars, trucks, SUVs, and vans), model years 2020 or newer. Refinances must be from lenders other than SACFCU. Minimum refinance amount is $15,000. Lowest possible APR of 4.75% for well-qualified borrowers. Membership eligibility requires living, working, worshiping, conducting business, or attending school in eastern Pasco or eastern Hernando Counties.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | Lowest possible APR for well-qualified borrowers. Refinance from lenders other than SACFCU for vehicles 2020 or newer with a minimum loan amount of $15,000. |
Sources (1)
- sacfcu.org/auto-loans · captured Oct 5, 2026
Who can join San Antonio Citizens Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or attends school in Pasco and Hernando Counties.
Employers and groups
- Open to all businesses located in Pasco and Hernando County, as well as businesses located outside the field of membership owned by persons eligible for membership.
Family and household
- Open to immediate family members of all current or eligible members.
Cost to join
- Requires opening a Savings account with as little as $5.00 by visiting one of four offices.
Membership information collected October 5, 2026.