Auto Loans · Key West, Florida
3 credit unions in Key West report car loan rates to the NCUA. Rates range from 5.01% to 6.25%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.01%
Lowest New Car Rate
5.57%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTHERNMOST ★ 4.4 · 7 reviews | 5.01% | 5.32% |
| 2 | KEYS ★ 4.2 · 294 reviews | 5.45% | 7.35% |
| 3 | MONROE COUNTY TEACHERS | 6.25% | 6.25% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SOUTHERNMOST ★ 4.4 · 7 reviews | 5.32% | 5.01% |
| 2 | MONROE COUNTY TEACHERS | 6.25% | 6.25% |
| 3 | KEYS ★ 4.2 · 294 reviews | 7.35% | 5.45% |
A pre-approval from a Key West 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 Key West in the same window and take the best offer.
See member reviews, branch locations, and full rate details.