Auto Loans · Florida

Best Credit Union Car Loan Rates in Florida

106 credit unions in Florida report car loan rates to the NCUA. Rates range from 1.99% to 8.44%.

Updated Q1 2026 · NCUA Call Report data

106

CUs Reporting Rates

1.99%

Lowest New Car Rate

5.33%

State Average Rate

67

Cities Covered

New Vehicle Loan Rates — Florida

106 credit unions with reported rates, sorted by APR

#Credit UnionNew Car APRUsed Car APR
1MCCOY

ORLANDO

1.99%6.50%
2BROWARD HEALTHCARE

FORT LAUDERDALE

1.99%1.99%
3TRANSPORT

Tampa

2.99%6.24%
4COMMUNITY SOUTH

Chipley

3.39%7.50%
5MIAMI POSTAL SERVICE

Miami

3.49%3.74%
6FLORIDA CUSTOMS

Tampa

3.84%5.99%
7POMPANO BEACH CITY EMP.

POMPANO BEACH

3.94%10.20%
8CALHOUN LIBERTY

Blountstown

3.99%9.49%
9SUN

Hollywood

3.99%4.74%
10MIAMI

MIAMI

3.99%6.99%
11GOLD COAST

PALM SPRINGS

4.00%4.74%
12RADIANT

Gainesville

4.23%4.23%
13ORLANDO

Orlando

4.50%4.75%
14FARMERS

JACKSONVILLE

4.59%5.59%
15METRO NORTH

JACKSONVILLE

4.60%6.52%
16CONTAINER MUTUAL

Fernandina Beac

4.65%6.13%
17T M H

TALLAHASSEE

4.68%6.63%
18WE FLORIDA FINANCIAL

Fort Lauderdale

4.69%4.69%
19BLUE COAST

Perry

4.71%5.09%
20BRIGHTSTAR

Fort Lauderdale

4.75%6.99%
21SUWANNEE RIVER

LIVE OAK

4.75%4.75%
22CAMPUS USA

Gainesville

4.79%5.04%
23MIAMI FIREFIGHTERS

MIAMI

4.89%5.25%
24MADISON EDUCATION ASSOC.

Madison

4.90%6.90%
25EGLIN

Fort Walton Bea

4.99%4.99%
26MIDFLORIDA

Lakeland

4.99%5.24%
27UNIVERSITY

MIAMI

4.99%4.99%
28CONNECT CREDIT UNION

Fort lauderdale

4.99%4.99%
29JACKSON COUNTY 1ST

MARIANNA

4.99%5.49%
30PENAIR

Pensacola

4.99%5.74%
31LAUNCH CREDIT UNION

MERRITT ISLAND

4.99%5.25%
32ACHIEVA CREDIT UNION

Dunedin

5.00%5.25%
33VELOCITY COMMUNITY

PALM BEACH GARD

5.00%5.75%
34FIRST CHOICE

WEST PALM BEACH

5.00%5.50%
35EVERGLADES

Clewiston

5.00%5.50%
36USF FEDERAL CREDIT UNION

Tampa

5.00%5.00%
37SOUTHERNMOST

Key West

5.01%5.32%
381ST STREET

SARASOTA

5.01%7.58%
39CHAMPIONS FIRST

Tallahassee

5.03%6.50%
40POWER FINANCIAL

Pembroke Pines

5.04%5.99%
41JM ASSOCIATES

Jacksonville

5.05%5.34%
42PUBLIX EMPLOYEES

LAKELAND

5.09%4.99%
43COMMUNITY FIRST CREDIT UNION OF FLO

JACKSONVILLE

5.09%5.59%
44EMERALD COAST

PORT ST JOE

5.09%5.74%
45OCALA COMMUNITY

Ocala

5.11%6.52%
46RADIFI

Jacksonville

5.19%5.49%
47TROPICAL FINANCIAL

MIRAMAR

5.19%8.54%
48TAMPA POSTAL

TAMPA

5.20%5.70%
49FLORIDA WEST COAST

BRANDON

5.22%5.80%
50COASTLINE

Jacksonville

5.23%6.04%
51FLORIDACENTRAL

Tampa

5.25%5.75%
52ADVENTHEALTH

Altamonte Sprin

5.28%5.41%
53GUARDIANS

WEST PALM BEACH

5.29%5.29%
54MY PENSACOLA

Pensacola

5.34%5.93%
55MEMORIAL EMPLOYEES FINANCIAL

HOLLYWOOD

5.37%5.96%
56COMMUNITY CREDIT UNION OF FLORIDA

Rockledge

5.38%5.41%
57JAX FIRE

Jacksonville

5.40%5.90%
58FINANCIAL EDUCATORS

Daytona Beach

5.40%6.92%
59FICARE

Wesley Chapel

5.41%6.35%
60KEYS

Key West

5.45%7.35%
61TYNDALL

Panama City

5.45%5.54%
62LOYALTY

Pensacola

5.47%5.97%
63ITHINK FINANCIAL

Boca Raton

5.49%5.74%
64ADDITION FINANCIAL

Lake Mary

5.49%5.94%
65INSIGHT

WINTER SPRINGS

5.49%5.69%
66PRIORITY

Orlando

5.50%5.75%
67ECU

SEMINOLE

5.51%6.20%
68JEFFERSON COUNTY TEACHERS

Monticello

5.53%8.30%
69HELLO

Panama City

5.54%7.62%
70ALIVE

Jacksonville

5.54%6.04%
71SAN ANTONIO CITIZENS

San Antonio

5.60%6.00%
72HIALEAH MUNICIPAL EMPLOYEES

Hialeah

5.62%6.27%
73POWERNET

Tampa

5.69%6.82%
74CITY-COUNTY EMPLOYEES

CLEARWATER

5.69%8.18%
75PRIORITYONE CREDIT UNION OF FLORIDA

Sunrise

5.74%5.99%
76GTE

TAMPA

5.74%6.24%
77JETSTREAM

Miami Lakes

5.74%6.49%
78INNOVATIONS FINANCIAL

PANAMA CITY

5.75%7.25%
79MEMBERS FIRST CREDIT UNION OF FLORI

Pensacola

5.99%6.79%
80FIRST COMMERCE

Tallahassee

5.99%7.74%
81GROW FINANCIAL

Tampa

5.99%6.99%
82GULF WINDS

PENSACOLA

5.99%6.99%
83WALTON COUNTY TEACHERS

DEFUNIAK SPRING

5.99%4.99%
84FAIRWINDS

ORLANDO

6.00%6.30%
85PINELLAS

Largo

6.00%6.00%
86SUNCOAST

TAMPA

6.00%6.50%
87TRAX

Tampa

6.01%7.68%
88VYSTAR

Jacksonville

6.01%7.27%
89SANTA ROSA COUNTY

MILTON

6.01%5.99%
90TRU FI

Macclenny

6.03%7.85%
91EDUCATIONAL

MIAMI

6.09%5.84%
92BAPTIST HEALTH SOUTH FLORIDA

Miami

6.21%7.18%
93DADE COUNTY

Sweetwater

6.24%6.74%
94FLORIDA

Gainesville

6.24%7.96%
95COMPASS FINANCIAL

Hialeah

6.25%6.25%
96MONROE COUNTY TEACHERS

Key West

6.25%6.25%
97FLORIDA A & M UNIVERSITY

Tallahassee

6.63%7.30%
98PANHANDLE

Panama City

6.65%8.65%
99OKALOOSA COUNTY TEACHERS

Crestview

6.70%8.10%
100SPACE COAST

Melbourne

6.74%6.74%
101LOCAL 606 ELECTRICAL WORKERS

ORLANDO

6.80%8.00%
102SOUTH ATLANTIC

Boca Raton

7.00%7.00%
103FIRST FLORIDA

Jacksonville

7.24%7.24%
104TAMPA BAY

Tampa

7.57%7.99%
105HARVESTERS

Cantonment

7.74%7.54%
106UNITY OF EATONVILLE

Eatonville

8.44%8.20%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Florida

106 credit unions with reported rates, sorted by APR

#Credit UnionUsed Car APRNew Car APR
1BROWARD HEALTHCARE

FORT LAUDERDALE

1.99%1.99%
2MIAMI POSTAL SERVICE

Miami

3.74%3.49%
3RADIANT

Gainesville

4.23%4.23%
4WE FLORIDA FINANCIAL

Fort Lauderdale

4.69%4.69%
5SUN

Hollywood

4.74%3.99%
6GOLD COAST

PALM SPRINGS

4.74%4.00%
7ORLANDO

Orlando

4.75%4.50%
8SUWANNEE RIVER

LIVE OAK

4.75%4.75%
9EGLIN

Fort Walton Bea

4.99%4.99%
10UNIVERSITY

MIAMI

4.99%4.99%
11CONNECT CREDIT UNION

Fort lauderdale

4.99%4.99%
12PUBLIX EMPLOYEES

LAKELAND

4.99%5.09%
13WALTON COUNTY TEACHERS

DEFUNIAK SPRING

4.99%5.99%
14USF FEDERAL CREDIT UNION

Tampa

5.00%5.00%
15CAMPUS USA

Gainesville

5.04%4.79%
16BLUE COAST

Perry

5.09%4.71%
17MIDFLORIDA

Lakeland

5.24%4.99%
18MIAMI FIREFIGHTERS

MIAMI

5.25%4.89%
19LAUNCH CREDIT UNION

MERRITT ISLAND

5.25%4.99%
20ACHIEVA CREDIT UNION

Dunedin

5.25%5.00%
21GUARDIANS

WEST PALM BEACH

5.29%5.29%
22SOUTHERNMOST

Key West

5.32%5.01%
23JM ASSOCIATES

Jacksonville

5.34%5.05%
24ADVENTHEALTH

Altamonte Sprin

5.41%5.28%
25COMMUNITY CREDIT UNION OF FLORIDA

Rockledge

5.41%5.38%
26JACKSON COUNTY 1ST

MARIANNA

5.49%4.99%
27RADIFI

Jacksonville

5.49%5.19%
28FIRST CHOICE

WEST PALM BEACH

5.50%5.00%
29EVERGLADES

Clewiston

5.50%5.00%
30TYNDALL

Panama City

5.54%5.45%
31FARMERS

JACKSONVILLE

5.59%4.59%
32COMMUNITY FIRST CREDIT UNION OF FLO

JACKSONVILLE

5.59%5.09%
33INSIGHT

WINTER SPRINGS

5.69%5.49%
34TAMPA POSTAL

TAMPA

5.70%5.20%
35PENAIR

Pensacola

5.74%4.99%
36EMERALD COAST

PORT ST JOE

5.74%5.09%
37ITHINK FINANCIAL

Boca Raton

5.74%5.49%
38VELOCITY COMMUNITY

PALM BEACH GARD

5.75%5.00%
39FLORIDACENTRAL

Tampa

5.75%5.25%
40PRIORITY

Orlando

5.75%5.50%
41FLORIDA WEST COAST

BRANDON

5.80%5.22%
42EDUCATIONAL

MIAMI

5.84%6.09%
43JAX FIRE

Jacksonville

5.90%5.40%
44MY PENSACOLA

Pensacola

5.93%5.34%
45ADDITION FINANCIAL

Lake Mary

5.94%5.49%
46MEMORIAL EMPLOYEES FINANCIAL

HOLLYWOOD

5.96%5.37%
47LOYALTY

Pensacola

5.97%5.47%
48FLORIDA CUSTOMS

Tampa

5.99%3.84%
49POWER FINANCIAL

Pembroke Pines

5.99%5.04%
50PRIORITYONE CREDIT UNION OF FLORIDA

Sunrise

5.99%5.74%
51SANTA ROSA COUNTY

MILTON

5.99%6.01%
52SAN ANTONIO CITIZENS

San Antonio

6.00%5.60%
53PINELLAS

Largo

6.00%6.00%
54COASTLINE

Jacksonville

6.04%5.23%
55ALIVE

Jacksonville

6.04%5.54%
56CONTAINER MUTUAL

Fernandina Beac

6.13%4.65%
57ECU

SEMINOLE

6.20%5.51%
58TRANSPORT

Tampa

6.24%2.99%
59GTE

TAMPA

6.24%5.74%
60COMPASS FINANCIAL

Hialeah

6.25%6.25%
61MONROE COUNTY TEACHERS

Key West

6.25%6.25%
62HIALEAH MUNICIPAL EMPLOYEES

Hialeah

6.27%5.62%
63FAIRWINDS

ORLANDO

6.30%6.00%
64FICARE

Wesley Chapel

6.35%5.41%
65JETSTREAM

Miami Lakes

6.49%5.74%
66MCCOY

ORLANDO

6.50%1.99%
67CHAMPIONS FIRST

Tallahassee

6.50%5.03%
68SUNCOAST

TAMPA

6.50%6.00%
69METRO NORTH

JACKSONVILLE

6.52%4.60%
70OCALA COMMUNITY

Ocala

6.52%5.11%
71T M H

TALLAHASSEE

6.63%4.68%
72DADE COUNTY

Sweetwater

6.74%6.24%
73SPACE COAST

Melbourne

6.74%6.74%
74MEMBERS FIRST CREDIT UNION OF FLORI

Pensacola

6.79%5.99%
75POWERNET

Tampa

6.82%5.69%
76MADISON EDUCATION ASSOC.

Madison

6.90%4.90%
77FINANCIAL EDUCATORS

Daytona Beach

6.92%5.40%
78MIAMI

MIAMI

6.99%3.99%
79BRIGHTSTAR

Fort Lauderdale

6.99%4.75%
80GROW FINANCIAL

Tampa

6.99%5.99%
81GULF WINDS

PENSACOLA

6.99%5.99%
82SOUTH ATLANTIC

Boca Raton

7.00%7.00%
83BAPTIST HEALTH SOUTH FLORIDA

Miami

7.18%6.21%
84FIRST FLORIDA

Jacksonville

7.24%7.24%
85INNOVATIONS FINANCIAL

PANAMA CITY

7.25%5.75%
86VYSTAR

Jacksonville

7.27%6.01%
87FLORIDA A & M UNIVERSITY

Tallahassee

7.30%6.63%
88KEYS

Key West

7.35%5.45%
89COMMUNITY SOUTH

Chipley

7.50%3.39%
90HARVESTERS

Cantonment

7.54%7.74%
911ST STREET

SARASOTA

7.58%5.01%
92HELLO

Panama City

7.62%5.54%
93TRAX

Tampa

7.68%6.01%
94FIRST COMMERCE

Tallahassee

7.74%5.99%
95TRU FI

Macclenny

7.85%6.03%
96FLORIDA

Gainesville

7.96%6.24%
97TAMPA BAY

Tampa

7.99%7.57%
98LOCAL 606 ELECTRICAL WORKERS

ORLANDO

8.00%6.80%
99OKALOOSA COUNTY TEACHERS

Crestview

8.10%6.70%
100CITY-COUNTY EMPLOYEES

CLEARWATER

8.18%5.69%
101UNITY OF EATONVILLE

Eatonville

8.20%8.44%
102JEFFERSON COUNTY TEACHERS

Monticello

8.30%5.53%
103TROPICAL FINANCIAL

MIRAMAR

8.54%5.19%
104PANHANDLE

Panama City

8.65%6.65%
105CALHOUN LIBERTY

Blountstown

9.49%3.99%
106POMPANO BEACH CITY EMP.

POMPANO BEACH

10.20%3.94%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Frequently Asked Questions

Can anyone join a credit union in Florida?

Most community credit unions in Florida accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.

How do credit union car loan rates compare to banks?

Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.

Are these rates accurate?

These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.

Get Pre-Approved Before the Dealership

A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.

Browse Credit Unions in Florida

See all credit unions by city, filter by rates, and check Google ratings.