Credit union · NCUA insured
Tropical Financial Credit Union Auto Loan Rates
Tropical Financial Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Tropical Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Tropical Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tropical Financial Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
New Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Tropical Financial Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tropical Financial 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 Refinance
Refinance promotion features include $100 cash bonus at closing for loans of at least $10,000 (deposited into savings account at loan closing; purchase loans do not qualify) and optional 90-day payment deferral (subject to credit qualification and active TFCU checking for at least 12 months; interest continues to accrue). New CD opened with $1,000–$2,499 qualifies for a 0.10% rate discount; $2,500 or more qualifies for a 0.25% discount. TFCU will deposit the $1 minimum required to open membership account. Member must reside in a state within TFCU lending area.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | Applies to Autos 2025 and Newer / Autos 2024 and Newer. Minimum loan amount required. |
Sources (2)
All captured Oct 15, 2026
New Auto Loan
Rates quoted assume excellent borrower credit history. New automobiles include autos current year and previous year. Up to 100% financing not to exceed lesser of MSRP or final purchase price plus tax and Vehicle Service Agreement on new vehicles up to 1,000 miles. TFCU will deposit the $1 minimum required to open membership savings account. Member must reside in a state within TFCU lending area. An additional auto loan rate discount of 0.10% (for new CD of $1,000–$2,499) or 0.25% (for new CD of $2,500+) may apply (minimum rate 4.79%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.89% | Purchase transaction only. Loan-to-Value up to 80%. Limited time offer. |
| up to 60 months | 5.24% | Minimum loan amount required. Other conditions may apply. |
| up to 66 months | 5.34% | Minimum loan amount required. 61-78 month rate and term available for new and used automobiles. |
| up to 72 months | 5.44% | Minimum loan amount required. 61-78 month rate and term available for new and used automobiles. |
| up to 78 months | 5.54% | Minimum loan amount required. 61-78 month rate and term available for new and used automobiles. |
| up to 84 months | 6.24% | Minimum loan amount required. 79-84 month rate and term available for new automobile only. Credit qualifications and model year restrictions apply. |
Sources (3)
- tropicalfcu.com/credit-union-auto-loan
- tropicalfcu.com/credit-union-auto-loan/new-auto-loan
- tropicalfcu.com/rates
All captured Oct 15, 2026
Used Auto Loan
Rates quoted assume excellent borrower credit history. Used Auto includes previously titled vehicles 5 years old or newer (or 8 years old or newer depending on program/schedule). Older Used Auto equals 6 years old to a maximum of 20 years old (or 9 years and older depending on disclosure) and must reflect a NADA value. Used vehicles must meet mileage guidelines (gas and electric 75,000 miles or less; diesel 100,000 miles or less). Up to 100% financing not to exceed NADA retail value plus/minus options and mileage. TFCU will deposit the $1 minimum required to open membership savings account. Member must reside in a state within TFCU lending area. An additional auto loan rate discount of 0.10% (for new CD of $1,000–$2,499) or 0.25% (for new CD of $2,500+) may apply (minimum rate 4.79%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.89% | Purchase transactions only. Other conditions may apply. |
| up to 60 months | 5.24% | Minimum loan amount required. Other conditions may apply. |
| up to 66 months | 5.34% | Minimum loan amount required. Other conditions may apply. |
| up to 72 months | 5.44% | Minimum loan amount required. Other conditions may apply. |
| up to 78 months | 5.54% | Minimum loan amount required. Up to 78 month rate and term available for used automobiles. Minimum loan amounts and model year restrictions apply. |
| up to 48 months | 8.24% | Older Used Auto (6 years old to a maximum of 20 years old). Minimum loan amount required. Other conditions may apply. |
Sources (3)
- tropicalfcu.com/credit-union-auto-loan
- tropicalfcu.com/credit-union-auto-loan/used-auto-loan
- tropicalfcu.com/rates
All captured Oct 15, 2026
Who can join Tropical Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.