Credit union · NCUA insured
USF Credit Union Auto Loan Rates
USF 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 USF Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where USF Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USF Credit Union
4.99%APR
- Terms
- —
- Discount
- Included in the rate
New Auto
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
USF Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 USF 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.
Motorcycle
Rate may vary or increase due to collateral conditions or adverse credit factors. Rate not to exceed 17.99%. Rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions. Excludes commercial/business vehicles.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.49% | APR as low as 7.49%. Rate may vary or increase due to collateral conditions or adverse credit factors. Rate not to exceed 17.99%. |
New Auto
Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from Credit Union account and 0.25% APR discount when using complimentary Auto Advisors car buying service. Rate may vary or increase due to collateral conditions or adverse credit factors. Rate not to exceed 17.99%. Rates determined by creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | APR as low as 4.99%. Rate includes 0.25% APR discount for eStatements and automatic payments, and 0.25% APR discount for using Auto Advisors service. Rate not to exceed 17.99%. |
Sources (4)
All captured Oct 15, 2026
Used Auto
Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from Credit Union account and 0.25% APR discount when using complimentary Auto Advisors car buying service. Rate may vary or increase due to collateral conditions or adverse credit factors. Rate not to exceed 17.99%. Rates determined by creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | APR as low as 4.99%. Rate includes 0.25% APR discount for eStatements and automatic payments, and 0.25% APR discount for using Auto Advisors service. Rate not to exceed 17.99%. |
Sources (4)
All captured Oct 15, 2026
Who can join USF 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, and applicants can join the ACC at no cost during application.
- Employees or members of affiliated companies, associations, and organizations are eligible for membership.
Cost to join
- Opening a Primary Savings account with a minimum balance of $5 is required to join.
Membership information collected October 5, 2026.