Auto Loans · Jacksonville, Florida
10 credit unions in Jacksonville report car loan rates to the NCUA. Rates range from 4.59% to 7.24%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
4.59%
Lowest New Car Rate
5.39%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FARMERS ★ 4.0 · 20 reviews | 4.59% | 5.59% |
| 2 | METRO NORTH ★ 4.3 · 11 reviews | 4.60% | 6.52% |
| 3 | JM ASSOCIATES ★ 3.7 · 7 reviews | 5.05% | 5.34% |
| 4 | COMMUNITY FIRST CREDIT UNION OF FLO ★ 4.6 · 56 reviews | 5.09% | 5.59% |
| 5 | RADIFI ★ 4.7 · 1,035 reviews | 5.19% | 5.49% |
| 6 | COASTLINE ★ 4.4 · 107 reviews | 5.23% | 6.04% |
| 7 | JAX FIRE ★ 2.9 · 18 reviews | 5.40% | 5.90% |
| 8 | ALIVE ★ 4.2 · 79 reviews | 5.54% | 6.04% |
| 9 | VYSTAR ★ 4.7 · 842 reviews | 6.01% | 7.27% |
| 10 | FIRST FLORIDA ★ 3.5 · 33 reviews | 7.24% | 7.24% |
10 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | JM ASSOCIATES ★ 3.7 · 7 reviews | 5.34% | 5.05% |
| 2 | RADIFI ★ 4.7 · 1,035 reviews | 5.49% | 5.19% |
| 3 | FARMERS ★ 4.0 · 20 reviews | 5.59% | 4.59% |
| 4 | COMMUNITY FIRST CREDIT UNION OF FLO ★ 4.6 · 56 reviews | 5.59% | 5.09% |
| 5 | JAX FIRE ★ 2.9 · 18 reviews | 5.90% | 5.40% |
| 6 | COASTLINE ★ 4.4 · 107 reviews | 6.04% | 5.23% |
| 7 | ALIVE ★ 4.2 · 79 reviews | 6.04% | 5.54% |
| 8 | METRO NORTH ★ 4.3 · 11 reviews | 6.52% | 4.60% |
| 9 | FIRST FLORIDA ★ 3.5 · 33 reviews | 7.24% | 7.24% |
| 10 | VYSTAR ★ 4.7 · 842 reviews | 7.27% | 6.01% |
A pre-approval from a Jacksonville credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Jacksonville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.