Credit union · NCUA insured
University Credit Union Auto Loan Rates
University Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How University Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where University Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- —
New & Used Vehicle Loans
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
University Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 University 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.
New & Used Vehicle Loans
Financing available on new and used cars, trucks, and SUVs. Vehicles must be model year 2020 or newer (used vehicles must be 8 model years old or newer) with up to 75,000 miles. UCU membership required with a minimum $5.00 balance in savings; borrower must reside in a state within UCU's lending area.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. |
| up to 36 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. |
| up to 48 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. |
| up to 48 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. |
| up to 60 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. |
| up to 60 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. |
| up to 72 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. |
| up to 72 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. |
| up to 78 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. |
| up to 78 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. |
| up to 84 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. Model-year restrictions apply to 84-month terms on used vehicles with up to 75,000 miles. |
| up to 84 months | 9.99% | Standard rate. Actual rate depends on credit score, term, loan amount, loan-to-value, and overall creditworthiness. Model-year restrictions apply to 84-month terms on used vehicles with up to 75,000 miles. |
Sources (2)
All captured Oct 5, 2026
New Motorcycle
Full Active Membership (FAM) promotional rate is available exclusively to qualifying individuals affiliated with Florida International University (FIU), University of Miami (UM), and St. Thomas University; lowest potential rate is 4.99% APR for all other eligible borrowers. UCU membership required with a minimum $5.00 balance in savings. Borrower must reside in a state within UCU's lending area. Vehicles must be model year 2020 or newer and have no more than 75,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. Rate fixed for loan term. Loan amounts min $5,000 / max $30,000. |
Sources (1)
- ucumiami.org/personal/bank/deposit-rates · captured Oct 5, 2026
Who can join University Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone working or living in Miami-Dade County is eligible for membership.
Employers and groups
- Membership in Florida Consumer Council qualifies for eligibility.
- Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties is eligible for membership.
- UHealth staff and their immediate families are eligible for membership.
Military, government and schools
- Florida International University faculty, staff, students, alumni and their immediate families are eligible for membership.
- St. Thomas University faculty, staff, students, alumni and their immediate families are eligible for membership.
1 more way to join
Military, government and schools
- University of Miami faculty, staff, students, alumni and their immediate families are eligible for membership.
Cost to join
- An initial deposit into the new account is required using a credit or debit card.
Membership information collected October 5, 2026.