Credit union · NCUA insured
Suncoast Credit Union Auto Loan Rates
Top CarrotSuncoast Credit Union auto loans start at 5.09% APR for a new vehicle and 5.59% for a used one. Rates checked October 15, 2026.
How Suncoast Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where Suncoast Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Suncoast Credit Union
5.09%APR
- Terms
- up to 72 months
New Vehicle
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Suncoast Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Suncoast 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.
Eco Vehicle Loans
Special rate for electric, hybrid, and plug-in hybrid vehicles. Valid on present calendar year models and previous three calendar year models. Credit union membership required. Existing Suncoast loans are not eligible for refinance. Other rates and terms up to 84 months are available. No application fee. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.84% | Applicable for Model Years 2025 and newer. Up to 72-month term. Zero payments for the first 90 days. Prepayment penalty $0. |
| up to 72 months | 5.34% | Applicable for Model Years 2023-24. Up to 72-month term. Zero payments for the first 90 days. |
Motorcycle Loans
Financing for motorcycles, ATVs, and Harley-Davidson motorcycles. Credit union membership and credit approval required. No application fee. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.85% | New Harley Davidson MC. New is defined as 2025 to current model year vehicles. Fixed rate. Advertised APR applies up to 72 months. Other rates and terms up to 84 months available. Maximum loan amount $50,000. |
| up to 72 months | 6.35% | Used Harley Davidson MC. Used is defined as 2018-2024 model years. Fixed rate. Advertised APR applies up to 72 months. Other rates and terms up to 72 months available. |
| up to 72 months | 7.25% | New Motorcycles and All Terrain Vehicles (ATVs). New is defined as 2025 to current model year vehicles. Fixed rate. Max term 72 months. |
| up to 72 months | 7.75% | Used Motorcycles and All Terrain Vehicles (ATVs). Used is defined as 2018-2024 model years. Fixed rate. Max term 72 months. |
Sources (1)
- suncoast.com/For-You/Loans-and…edit-Cards/Vehicle-Loans · captured Oct 5, 2026
New Vehicle
New is defined as 2025 to current model year vehicles. Credit union membership required. Subject to credit qualifications. No application fee. No prepayment penalty. Other rates and terms up to 84 months are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.09% | Fixed rate. Advertised 'As Low As' APR applies to terms up to 72 months. Rates vary based on term. First payment may be due up to 90 days from closing/application date. |
Used Vehicle
Used is defined as 2018-2024 model years. Credit union membership required. Subject to credit qualifications. No application fee. No prepayment penalty. Other rates and terms up to 84 months are available.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.59% | Fixed rate. Advertised 'As Low As' APR applies to terms up to 72 months. Rates vary based on term. First payment may be due up to 90 days. |
Who can join Suncoast Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.