Credit union · NCUA insured
Trax Credit Union Auto Loan Rates
Trax Credit Union auto loans start at 4.60% APR for a new vehicle and 5.05% for a used one. Rates checked October 15, 2026.
How Trax Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where Trax Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Trax Credit Union
4.60%APR
- Terms
- 36–84 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Trax Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed5.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Trax 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 Loans
Competitive, fixed rates on new or used vehicles. Rates include up to 0.50% in discounts: 0.10% APR for automatic payments (transfer or ACH), 0.15% APR for direct deposit into a Trax checking account, and 0.25% APR for finding your vehicle using Auto Advisors Auto Buying Service. Terms shown include maximum allowed. Rates quoted represent 'as low as' rates based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 4.60% | APR as low as 4.60% for New Automobile. Rate includes up to 0.50% in discounts (0.10% autopay, 0.15% direct deposit, 0.25% Auto Advisors). Fixed rate. |
| 36–84 months | 5.05% | APR as low as 5.05% for Used Automobile. Rate includes up to 0.50% in discounts (0.10% autopay, 0.15% direct deposit, 0.25% Auto Advisors). Fixed rate. |
| 36–84 months | 14.50% | Upward Auto: APR as low as 14.50%. Fixed rate. |
Sources (1)
- traxcu.com/products/auto-loans · captured Oct 7, 2026
Who can join Trax Credit Union
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