Credit union · NCUA insured
Tampa Bay Federal Credit Union Auto Loan Rates
Tampa Bay Federal Credit Union auto loans start at 4.69% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Tampa Bay Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where Tampa Bay Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tampa Bay Federal Credit Union
4.69%APR
- Terms
- up to 84 months
Auto Loan
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Tampa Bay Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.69%
- 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 Tampa Bay Federal 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
Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms. Rates and terms based on individual credit worthiness and other restrictions may apply. Payment Example: A 60-month loan of $20,000 at 4.34% fixed APR will have 60 monthly payments of $372.06. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.69% | New auto loan. Rates as low as 4.69% APR. Terms shown are the maximum allowed; rates quoted may be for shorter terms. Rates and terms based on individual creditworthiness. |
| up to 84 months | 4.99% | Used auto loan. Rates as low as 4.99% APR. Terms shown are the maximum allowed; rates quoted may be for shorter terms. Rates and terms based on individual creditworthiness. |
Auto Refinance
All loans are subject to TBF lending policies. Offer, rate, and terms subject to change without notice. Not valid to refinance existing TBF vehicle loans. Must have a TBF checking account to receive cashback promotion. Individuals must meet membership requirements. Loan must close directly with TBF location and requires automatic payment or ACH setup. No payment for 90 days subject to credit approval and requires at least six months of satisfactory auto loan payment history (interest accrues).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.79% | Refinance rate as low as 5.79% APR. Terms up to 84 months. No payments for 90 days (interest continues to accrue). Up to $600 cashback ($600 for loan $60,000+, $400 for $40,000+, $200 for $20,000) paid to a TBF account at closing. |
Sources (2)
All captured Oct 5, 2026
Who can join Tampa Bay Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the American Consumer Council (ACC) are eligible to join Tampa Bay Federal Credit Union.
- Employees of an affiliated company or members of an affiliated group are eligible to join.
Membership information collected October 5, 2026.