Credit union · NCUA insured
SUN Credit Union Auto Loan Rates
Top CarrotSUN Credit Union auto loans start at 3.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 5, 2026.
How SUN Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where SUN Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
New/Used Auto
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
3rd-lowest rate
Miami Firefighters Federal Credit Union
4.09%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
SUN Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SUN 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.
Classic/Vintage Auto
Classic/Vintage vehicles manufactured greater than 25 years up to $50,000.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | APR as low as 4.99%. Classic/Vintage vehicles manufactured greater than 25 years up to $50,000. |
Sources (1)
- suncu.org/rates · captured Oct 5, 2026
DrivingSense - Lease Alternative
Lease-like financing option allowing ownership with payments up to 40% lower than conventional financing. New or used vehicles up to 5 calendar years old qualify. Terms ranging from 24 to 72 months. No money down required. Mileage options: 12,000, 15,000, and 18,000 miles. Local pick-up option at loan maturity.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 5.49% | APR as low as 5.49%. Flexible terms ranging from 24 to 72 months on all models up to 5 years old. New or used vehicles up to 5 calendar years old qualify. |
Sources (3)
All captured Oct 5, 2026
New/Used Auto
New/used automobile loans up to 6 years from current. Mileage up to 100,000. Rate includes a .50% rate discount for hybrid, electric, or fuel efficient vehicles with combined MPGs >= 35.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | APR as low as 3.99%. Mileage up to 100,000. New/used vehicle loans up to 6 years from current. Rate includes a .50% rate discount for hybrid, electric, or fuel efficient vehicles with combined MPGs >= 35. |
Who can join SUN Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses in the Chambers of Commerce of Hollywood, Dania Beach, Davie-Cooper City, and Miami Shores (including their employees, members, and students) are eligible for membership.
- Real estate professionals in Broward and Miami-Dade Counties are eligible for membership.
Military, government and schools
- Employees of the City of Hollywood & Miami Shores Village are eligible for membership.
Family and household
- Immediate family members of SUN Credit Union members are eligible for membership.
Other ways
- A donation of $10.00 to the Police Athletic League (P.A.L.) qualifies an individual for membership.
Cost to join
- A $5.00 initial deposit to your account is required to join in-branch ($20.00 minimum to get started online).
- A $5.00 one-time membership fee is required when joining.
Membership information collected October 5, 2026.