Auto Loans · Lakeland, Florida
2 credit unions in Lakeland report car loan rates to the NCUA. Rates range from 4.99% to 5.09%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.04%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MIDFLORIDA ★ 4.3 · 207 reviews | 4.99% | 5.24% |
| 2 | PUBLIX EMPLOYEES ★ 4.8 · 909 reviews | 5.09% | 4.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PUBLIX EMPLOYEES ★ 4.8 · 909 reviews | 4.99% | 5.09% |
| 2 | MIDFLORIDA ★ 4.3 · 207 reviews | 5.24% | 4.99% |
A pre-approval from a Lakeland 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 Lakeland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.