Credit union · NCUA insured
Tru-Fi Credit Union Auto Loan Rates
Tru-Fi Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Tru-Fi Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, FL, where Tru-Fi Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tru-Fi Credit Union
4.99%APR
- Terms
- 37–60 months
Tru New Vehicle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
Jax Fire Credit Union
4.40%APR
- Terms
- 36–60 months
Tru-Fi Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tru-Fi 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.
Tru Motorcycle & ATV Loans
All loans subject to credit approval. Membership, terms and conditions apply. Interest Rates shown are effective as of 7/1/2026 unless otherwise noted.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.09% | New Motorcycles |
| 61–72 months | 6.89% | New Motorcycles |
| up to 48 months | 7.09% | Used Motorcycles |
| 49–60 months | 7.89% | Used Motorcycles |
Sources (2)
All captured Oct 15, 2026
Tru New Vehicle Loans
All loans subject to credit approval. Membership, terms and conditions apply. Current Year or Previous with Less Than 15k Miles. Up to 100% financing.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.69% | Up to 100% financing (Current Year or Previous with Less Than 15k Miles) |
| 37–60 months | 4.99% | Up to 100% financing (Current Year or Previous with Less Than 15k Miles) |
| 61–72 months | 5.19% | Up to 100% financing (Current Year or Previous with Less Than 15k Miles) |
| 73–84 months | 5.99% | Minimum loan amt of $30K |
Sources (2)
All captured Oct 15, 2026
Tru Used Vehicle Loans
All loans subject to credit approval. Membership, terms and conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.19% | Models not over 7 years or 150k miles |
| 37–48 months | 5.29% | Models not over 7 years or 150k miles |
| 49–60 months | 5.49% | Models not over 7 years or 150k miles |
| 61–72 months | 5.79% | 2021 - 2025 models, Minimum $15k |
| 61–72 months | 7.50% | 2019 - 2020 models, Minimum $15k |
| 24–36 months | 8.89% | Models not over 12 years (2014-2018 or 200k miles) |
| 37–48 months | 9.09% | Models not over 12 years (2014-2018 or 200k miles) |
| 49–60 months | 9.49% | Models not over 12 years (2014-2018 or 200k miles) |
Sources (2)
All captured Oct 15, 2026
Who can join Tru-Fi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school or church in Baker County, Nassau County, or ZIP codes 32234, 32220, or 32221 of Duval County, Florida, are eligible for membership.
Family and household
- Immediate family members (related by blood, marriage, or adoption) of members and individuals permanently living within a primary member's household are eligible to join.
Other ways
- Organizations of people within the field of membership (or their immediate family), including corporations, LLCs, and partnerships, are eligible for membership.
Membership information collected October 5, 2026.